MOFFAT PROPERTIES LTD.

🌳Matureactive
SC405117 · ltd · incorporated 2011-08-10
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 13.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
—
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 82990Other business support service activities n.e.c.
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

7 live charges · oldest 13.7y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 13.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (73/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
57 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-11-30
Average employees200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-07-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-24
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  3. 2024-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-08-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2023-05-31
    📄
    capital-name-of-class-of-shares
    capital · SH08
  6. 2023-05-25
    📄
    resolution
    resolution · RESOLUTIONS
  7. 2023-05-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-06-13
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2022-06-13
    📄
    capital-name-of-class-of-shares
    capital · SH08
  10. 2022-05-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-05-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-06-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2019-05-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-05-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2015-04-10
    🔒
    Charge registered #7
    Lender: The Royal Bank of Scotland PLC
  17. 2014-10-14
    🔒
    Charge registered #6
    Lender: The Royal Bank of Scotland PLC
  18. 2013-04-26
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  19. 2013-03-23
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  20. 2013-03-19
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  21. 2012-08-24
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  22. 2012-08-24
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  23. 2011-08-10
    🏢
    Company incorporated
    As MOFFAT PROPERTIES LTD.
  24. 2011-08-10
    ➕
    MOFFAT, Donna Ann appointed
    secretary
  25. 2011-08-10
    ➕
    MOFFAT, Donna Ann appointed
    director
  26. 2011-08-10
    ➕
    MOFFAT, Robert appointed
    director
  27. 2011-08-10
    ➕
    BRIAN REID LTD. appointed
    corporate-secretary
  28. 2011-08-10
    ➖
    BRIAN REID LTD. resigned
    corporate-secretary
  29. 2011-08-10
    ➕
    MABBOTT, Stephen George appointed
    director
  30. 2011-08-10
    ➖
    MABBOTT, Stephen George resigned
    director

Owner dependency

89/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "MOFFAT" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

69/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low
7 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Robert Murphy Moffat
Individual · British · DOB 08/1962 · age 64
25–50%
—25-50% shares06/04/2016
Donna Ann Moffat
Individual · British · DOB 11/1972 · age 54
25–50%
—25-50% shares06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →
🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2011-08-10
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Pentland House
Saltire Centre
Glenrothes
KY6 2AH
Scotland

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-08-31
Last: 2025-08-17

Officers (3 active · 2 resigned)

MOFFAT, Donna Ann→
secretary · appointed 2011-08-10
View their other companies + combined net worth →
Active
MOFFAT, Donna Ann→
director · ~54y · appointed 2011-08-10
View their other companies + combined net worth →
Active
MOFFAT, Robert→
director · ~64y · appointed 2011-08-10
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-secretary · appointed 2011-08-10 · resigned 2011-08-10
Resigned
MABBOTT, Stephen George→
director · ~76y · appointed 2011-08-10 · resigned 2011-08-10
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

7
Total charges
7
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property10/04/2015—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property14/10/2014—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property26/04/2013—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Floating charge1 property23/03/2013—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property19/03/2013—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property24/08/2012—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property24/08/2012—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (57 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-03
change-account-reference-date-company-previous-extended
accounts · AA01
2025-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-25
capital-name-of-class-of-shares
capital · SH08
2023-05-31
resolution
resolution · RESOLUTIONS
2023-05-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-19
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-15
resolution
resolution · RESOLUTIONS
2022-06-13
capital-name-of-class-of-shares
capital · SH08
2022-06-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-31