LOW HOLDINGS (SCOTLAND) LIMITED

📈Growthactive
SC412906 · ltd · incorporated 2011-12-09
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 14.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Conservative operator with a 74-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (78/100).

🏦

Refinance opportunity

1 live charge · oldest 14.2y

95/100
ready

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

  • · Oldest live charge is 14.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.
  • · Profitable and stable/growing — lender coverage supportable.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 5 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
47 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Profitable
Profit before tax £832,910

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Sept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-09-302023-09-30
Profit before tax£832.9k£345.5k
Average employees400400

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

🔒Filing-note intelligence

2 signals 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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2025-05-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2024-11-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-05-06
    📄
    accounts-with-accounts-type-full
    accounts · AA
  4. 2023-06-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  5. 2023-01-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2022-12-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2022-06-28
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2021-10-31
    ➖
    LOW, Jeff resigned
    director
  9. 2021-07-02
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2021-02-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2021-02-11
    🔓
    Charge satisfied #1
  12. 2020-06-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  13. 2019-12-23
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2019-09-10
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  15. 2019-08-27
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  16. 2018-09-09
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  17. 2018-08-31
    ➖
    MASON, Steven resigned
    secretary
  18. 2018-07-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2018-07-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2018-07-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2018-07-01
    ➕
    LENG, Sarah appointed
    director
  22. 2018-07-01
    ➕
    LOW, Flora appointed
    director
  23. 2012-03-07
    ➕
    LOW, George David Alexander appointed
    director
  24. 2012-03-07
    ➕
    MASON, Steven appointed
    secretary
  25. 2012-03-07
    ➕
    LOW, Jeff appointed
    director
  26. 2012-02-16
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC
  27. 2011-12-09
    🏢
    Company incorporated
    As LOW HOLDINGS (SCOTLAND) LIMITED
  28. 2011-12-09
    ➕
    LOW, George Edwin appointed
    director

Owner dependency

55/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

73/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 14 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr George Edwin Low
Individual · British · DOB 08/1952 · age 74
75–100%
—75-100% 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
Incorporated2011-12-09
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Blackadders Llp
10 Euclid Crescent
Dundee
DD1 1AG
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-12-23
Last: 2025-12-09

Officers (4 active · 2 resigned)

LENG, Sarah→
director · ~48y · appointed 2018-07-01
View their other companies + combined net worth →
Active
LOW, Flora→
director · ~71y · appointed 2018-07-01
View their other companies + combined net worth →
Active
LOW, George David Alexander→
director · ~46y · appointed 2012-03-07
View their other companies + combined net worth →
Active
LOW, George Edwin→
director · ~74y · appointed 2011-12-09
View their other companies + combined net worth →
Active
MASON, Steven→
secretary · appointed 2012-03-07 · resigned 2018-08-31
Resigned
LOW, Jeff→
director · ~43y · appointed 2012-03-07 · resigned 2021-10-31
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank PLC
Floating charge1 property16/02/201211/02/2021

Recent filings (47 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-06
accounts-with-accounts-type-full
accounts · AA
2025-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-06
accounts-with-accounts-type-full
accounts · AA
2024-05-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-28
accounts-with-accounts-type-full
accounts · AA
2023-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-09
termination-director-company-with-name-termination-date
officers · TM01
2023-01-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-12-06
accounts-with-accounts-type-full
accounts · AA
2022-06-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-18
accounts-with-accounts-type-full
accounts · AA
2021-07-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-22
mortgage-satisfy-charge-full
mortgage · MR04
2021-02-11