PHILLIPS INVESTMENTS LIMITED

🌳Matureactive
SC418822 · ltd · incorporated 2012-03-07
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£413.9k
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
Property-backed borrower with a 67-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 70/100. Strong seller-intent signal (68/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -100% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

4 live charges · oldest 12.3y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 12.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
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 · accounting standard not declared
Positive net assets
Net assets £413,886
Very low cash
Cash position: £27
Cash draining
Cash down 100% YoY
Cash YoY
-100%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£27
↓ 100% YoY
Net Worth
£414k
↑ 9.0% YoY
Current Assets
—
Current Liabilities
—
£0£83k£166k£248k£331k£414kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£485.1k£451.0k
Cash£27£16.7k
Net assets£413.9k£379.7k

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
1
filing
  • • 1 confirmation-statement
Last 90 days
4
filings
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
  • • 1 officers
Last 180 days
4
filings
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-03-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-03-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-03-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-03-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-02-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-11-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-04-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2019-04-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2018-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-10-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2016-08-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-03-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-02-25
    🔒
    Charge registered #4
    Lender: Bank of Scotland PLC
  17. 2014-02-25
    🔒
    Charge registered #3
    Lender: Bank of Scotland PLC
  18. 2014-02-25
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  19. 2014-02-07
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  20. 2012-03-29
    ➕
    BRINGHURST, Meggan appointed
    director
  21. 2012-03-29
    ➕
    BRINGHURST, Susan appointed
    director
  22. 2012-03-29
    ➖
    BRIAN REID LTD. resigned
    corporate-secretary
  23. 2012-03-29
    ➖
    MABBOTT, Stephen George resigned
    director
  24. 2012-03-07
    🏢
    Company incorporated
    As PHILLIPS INVESTMENTS LIMITED
  25. 2012-03-07
    ➕
    BRIAN REID LTD. appointed
    corporate-secretary
  26. 2012-03-07
    ➕
    MABBOTT, Stephen George appointed
    director

Owner dependency

81/100
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 age: Director aged approximately 67 — succession pressure is live.
  • +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 67. 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 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
Miss Meggan Bringhurst
Individual · British · DOB 09/1985 · age 41
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

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

8 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
Incorporated2012-03-07
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

C/O Mclaughlin Crolla Llp
77/2 Hanover Street
Edinburgh
EH2 1EE
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-21
Last: 2026-03-07

Officers (2 active · 2 resigned)

BRINGHURST, Meggan→
director · ~41y · appointed 2012-03-29
View their other companies + combined net worth →
Active
BRINGHURST, Susan→
director · ~67y · appointed 2012-03-29
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-secretary · appointed 2012-03-07 · resigned 2012-03-29
Resigned
MABBOTT, Stephen George→
director · ~76y · appointed 2012-03-07 · resigned 2012-03-29
Resigned

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

Mortgages & charges

4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property25/02/2014—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property25/02/2014—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property25/02/2014—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property07/02/2014—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (45 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-23
change-person-director-company-with-change-date
officers · CH01
2026-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-09