INVERCLOY INVESTMENTS LIMITED
🌳Matureactive
SC444523 · ltd · incorporated 2013-03-07
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 9.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£406.9k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 73/100 (strong), bankability 85/100. 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 (58/100).
🏦
Refinance opportunity
3 live charges · oldest 9.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
40 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
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £406,932
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£407k
↑ 12% YoY
Current Assets
£6k
↑ 31% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £409.7k | £363.4k |
| Current assets | £5.7k | £4.4k |
| Net assets | £406.9k | £363.4k |
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
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-29🔓Charge satisfied #1
- 2024-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-24🔓Charge satisfied #3
- 2024-05-24🔓Charge satisfied #2
- 2023-12-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-02-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-02-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-02-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-02-14🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2017-02-14🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2017-02-07🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2013-10-28➕CUSITER, Debbie Susan appointeddirector
- 2013-10-28➕CUSITER, Simon Michael appointeddirector
- 2013-10-28➖HBJG SECRETARIAL LIMITED resignedcorporate-secretary
- 2013-10-28➖ALMOND, Deborah Jane resigneddirector
- 2013-10-28➖HBJG LIMITED resignedcorporate-director
- 2013-03-07🏢Company incorporatedAs INVERCLOY INVESTMENTS LIMITED
- 2013-03-07➕HBJG SECRETARIAL LIMITED appointedcorporate-secretary
- 2013-03-07➕ALMOND, Deborah Jane appointeddirector
- 2013-03-07➕HBJG LIMITED appointedcorporate-director
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Debbie Susan Cusiter Individual · British · DOB 01/1976 · age 50 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/07/2016 |
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| ISLAR PROPERTY LTD→ SC656531 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| JANE STREET PROPERTIES LIMITED→ SC666253 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| JAY HOGARTY PROPERTIES LTD→ SC682684 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| JD BELPER LIMITED→ SC807808 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JDS INVESTMENTS EDINBURGH LTD→ SC695508 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| JEAN HAMILTON PROPERTIES LIMITED→ SC803480 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| JEFFERIES JAMES UK LIMITED→ SC698342 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| JENNANT PROPERTY LIMITED→ SC783939 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JICE PROPERTIES LTD→ SC819317 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JIEUN PROPERTY LTD→ SC823477 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JKM WEALTH LTD→ SC864111 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JLC LET LIMITED→ SC769909 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2013-03-07
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
30b Barnton Avenue West
Edinburgh
Midlothian
EH4 6DE
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 · 3 resigned)
CUSITER, Debbie Susan→
Activedirector · ~50y · appointed 2013-10-28
View their other companies + combined net worth →
CUSITER, Simon Michael→
Activedirector · ~55y · appointed 2013-10-28
View their other companies + combined net worth →
HBJG SECRETARIAL LIMITED→
Resignedcorporate-secretary · appointed 2013-03-07 · resigned 2013-10-28
ALMOND, Deborah Jane→
Resigneddirector · ~61y · appointed 2013-03-07 · resigned 2013-10-28
HBJG LIMITED→
Resignedcorporate-director · appointed 2013-03-07 · resigned 2013-10-28
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 14/02/2017 | 24/05/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 14/02/2017 | 24/05/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 07/02/2017 | 29/05/2024 |
Recent filings (40 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-31
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-30
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-29
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-08
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-09
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-09
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-21