STANDARD REAL ESTATE LTD
🌳Matureactive
SC446868 · ltd · incorporated 2013-04-05
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 Sept 2024
Net worth
£7.01M
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
57 live charges · 4 lenders · oldest 12.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 12.9 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
57 charges (57/57 with lender, 57/57 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
104 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
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £7,008,229
Key financials
1 year extracted from filed iXBRL accountsCash
£123k
Net Worth
£7.0m
Current Assets
£3.2m
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-09-30 |
|---|---|
| Total assets | £22.34M |
| Current assets | £3.24M |
| Cash | £122.5k |
| Debtors | £3.12M |
| Net assets | £7.01M |
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
2
filings
- • 2 mortgage
Last 90 days
5
filings
- • 3 mortgage
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
10
filings
- • 7 mortgage
- • 2 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (92 events)Click to expand
- 2026-04-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-22🔒Charge registered #57Lender: Bank of Scotland PLC
- 2026-04-22🔒Charge registered #56Lender: Lloyds Bank Corporate Markets PLC
- 2026-03-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-23🔓Charge satisfied #24
- 2026-02-26📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2026-01-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-22🔓Charge satisfied #51
- 2026-01-22🔓Charge satisfied #50
- 2025-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-14📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-12-12🔒Charge registered #55Lender: Lloyds Bank Corporate Markets PLC
- 2025-12-12🔒Charge registered #54Lender: Bank of Scotland PLC
- 2025-07-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-02🔒Charge registered #53Lender: Lloyds Bank Corporate Markets PLC
- 2025-07-02🔒Charge registered #52Lender: Bank of Scotland PLC
- 2025-07-01📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-06-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-04-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-12🔒Charge registered #49Lender: Bank of Scotland PLC
- 2024-04-12🔒Charge registered #48Lender: Lloyds Bank Corporate Markets PLC
- 2024-04-05🔒Charge registered #51Lender: Lloyds Bank Corporate Markets PLC
- 2024-04-05🔒Charge registered #50Lender: Bank of Scotland PLC
- 2024-03-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-28🔒Charge registered #47Lender: Bank of Scotland PLC
- 2024-03-28🔒Charge registered #46Lender: Bank of Scotland PLC
- 2023-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-01-11🔒Charge registered #45Lender: Bank of Scotland PLC
- 2022-12-08🔒Charge registered #44Lender: Lloyds Bank Corporate Markets PLC
- 2022-12-08🔒Charge registered #43Lender: Bank of Scotland PLC
- 2022-11-28🔒Charge registered #42Lender: Bank of Scotland PLC
- 2022-08-24🔒Charge registered #41Lender: Lloyds Bank Corporate Markets PLC
- 2022-08-24🔒Charge registered #40Lender: Bank of Scotland PLC
- 2022-04-18🔒Charge registered #39Lender: Lloyds Bank Corporate Markets PLC
- 2022-04-18🔒Charge registered #38Lender: Bank of Scotland PLC
- 2022-04-01🔒Charge registered #37Lender: Bank of Scotland PLC
- 2021-06-17🔒Charge registered #36Lender: Lloyds Bank Corporate Markets PLC
- 2021-06-11🔒Charge registered #35Lender: Lloyds Bank Corporate Markets PLC
- 2020-12-03🔒Charge registered #34Lender: Bank of Scotland PLC
- 2020-11-12🔒Charge registered #33Lender: Bank of Scotland PLC
- 2020-07-31🔒Charge registered #30Lender: Bank of Scotland PLC
Showing most recent 50 of 92 events
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.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
69/100
Strong succession signalMultiple 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 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med · 1 low6 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-04-22: A registered charge; 2026-04-22: A registered charge; 2025-12-12: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
47 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Scott Alan Martyn Campbell Individual · British · DOB 11/1974 · age 52 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Lorraine Buchanan Munro Individual · British · DOB 05/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 →Similar companies
Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SR PROPERTIES AND INVESTMENTS LIMITED→ SC867772 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SSMCG LTD→ SC823523 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ST ANDREWS ESTATES (SCOTLAND) LIMITED→ SC271716 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| STAG PROPERTIES LTD.→ SC232325 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| STAR MANAGEMENT LTD→ SC725606 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| STATION HOUSE GLASGOW LTD→ SC210000 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| STEYNE PROPERTY MANAGEMENT LTD→ SC705959 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| STG HOMES LTD→ SC796496 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| STIRLING PROPERTY SURVEY LTD→ SC847779 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| STONEFIELD ROOMS LTD→ SC611102 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| STORAGE WARZ LIMITED→ SC866171 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| STOW BRAE PROPERTIES LTD→ SC798498 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2013-04-05
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
16 Royal Terrace
Glasgow
G3 7NY
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-03-24
Last: 2026-03-10
Officers (3 active · 0 resigned)
Active
CAMPBELL, Scott Alan Martyn→
Activedirector · ~52y · appointed 2013-05-22
View their other companies + combined net worth →
MUNRO, Hamish Hunter→
Activedirector · ~64y · appointed 2013-04-05
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
57
Total charges
47
Outstanding
1
Active lenders
Status:Lender:57 of 57 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 22/04/2026 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 1 property | 22/04/2026 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 1 property | 12/12/2025 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 12/12/2025 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 2 properties | 02/07/2025 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 02/07/2025 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 12/04/2024 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 1 property | 12/04/2024 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 1 property | 05/04/2024 | 22/01/2026 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 05/04/2024 | 22/01/2026 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 28/03/2024 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 28/03/2024 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 11/01/2023 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 2 properties | 08/12/2022 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 08/12/2022 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 28/11/2022 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 1 property | 24/08/2022 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 24/08/2022 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 3 properties | 18/04/2022 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 3 properties | 18/04/2022 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 01/04/2022 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 7 properties | 17/06/2021 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | — | 11/06/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/12/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 12/11/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 31/07/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 3 properties | 31/07/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 28/07/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 24/07/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 30/03/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 27/03/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 20/01/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 24/12/2018 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 13/08/2018 | 23/03/2026 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 23/05/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 23/05/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 13/06/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 12/06/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 3 properties | 12/06/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 08/06/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 08/06/2017 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 3 properties | 10/01/2017 | 15/05/2019 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 3 properties | 10/01/2017 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 20/12/2016 | 15/05/2019 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 20/12/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 12/04/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 11/04/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 11/04/2016 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 11/12/2015 | 15/05/2019 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 11/12/2015 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 11/12/2015 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 07/10/2015 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 01/10/2015 | 15/05/2019 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 6 properties | 14/04/2014 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 25/03/2014 | 08/02/2017 | |
| satisfied | Capital Bridging Finance Capital Bridging Finance Limited | A registered charge | 4 properties | 24/06/2013 | 23/05/2014 | |
| satisfied | Capital Bridging Finance Capital Bridging Finance Limited | A registered charge | 1 property | 06/06/2013 | 16/04/2014 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (104 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-23
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-23
change-account-reference-date-company-previous-extended
accounts · AA01
2026-02-26
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-22
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-04
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-07-01
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-06-24