REGIS PROPERTY SCOTLAND LTD

🌳Matureactive
SC479224 · ltd · incorporated 2014-06-04
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 Dec 2025
Net worth
£719.8k
book net assets
Opportunity
80/100
Exceptional
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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
Strong opportunity: property-backed borrower with exceptional profile and acceptable with review structure.

Opportunity 80/100 (exceptional), bankability 67/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

5 live charges · 3 lenders · oldest 11.1y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 11.1 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (88/100)

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

Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
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
41 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
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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 £719,755
Cash YoY
+512%
Year on year

Key financials

3 years extracted from filed iXBRL accounts
Cash
£99k
↑ 512% YoY
Net Worth
£720k
↑ 6.7% YoY
Current Assets
£232k
↑ 96% YoY
Current Liabilities
—
£0£144k£288k£432k£576k£720kDec 2023Dec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-312023-12-31
Total assets£872.1k£841.8k£741.2k
Current assets£231.8k£118.0k£103.6k
Cash£99.2k£16.2k£7.2k
Debtors£132.6k£101.8k£96.5k
Net assets£719.8k£674.9k£644.7k

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-05-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-10-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2025-10-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2025-10-17
    🔓
    Charge satisfied #4
  5. 2025-10-17
    🔓
    Charge satisfied #5
  6. 2025-08-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2025-08-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2025-08-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2025-08-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2025-03-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2024-03-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2023-03-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2022-04-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2021-08-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-06-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2021-06-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2021-06-17
    🔒
    Charge registered #4
    Lender: Atom Bank PLC
  18. 2021-06-11
    🔒
    Charge registered #5
    Lender: Atom Bank PLC
  19. 2020-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2020-08-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2020-08-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  22. 2020-08-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  23. 2018-01-13
    🔒
    Charge registered #3
    Lender: Royal Bank of Scotland PLC
  24. 2015-06-04
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  25. 2015-05-06
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  26. 2014-06-04
    🏢
    Company incorporated
    As REGIS PROPERTY SCOTLAND LTD
  27. 2014-06-04
    ➕
    CAIRNS, David appointed
    director
  28. 2014-06-04
    ➕
    LONGMUIR, Ryan Michael appointed
    director

Owner dependency

71/100
High — earn-out structure required

Material 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 59 — approaching natural succession window.
  • +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

51/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr David Cairns
Individual · British · DOB 01/1967 · age 59
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Ryan Michael Longmuir
Individual · British · DOB 01/1979 · age 47
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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
Incorporated2014-06-04
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Second Floor Airbles House
270 Airbles Road
Motherwell
ML1 3AT
United Kingdom

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-07-09
Last: 2025-06-25

Officers (2 active · 0 resigned)

CAIRNS, David→
director · ~59y · appointed 2014-06-04
View their other companies + combined net worth →
Active
LONGMUIR, Ryan Michael→
director · ~47y · appointed 2014-06-04
View their other companies + combined net worth →
Active

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

Mortgages & charges

5
Total charges
3
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
satisfied
Atom Bank
Atom Bank PLC
A registered charge1 property17/06/202117/10/2025
satisfied
Atom Bank
Atom Bank PLC
A registered charge—11/06/202117/10/2025
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property13/01/2018—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property04/06/2015—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—06/05/2015—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (41 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-12
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-17
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-12
change-person-director-company-with-change-date
officers · CH01
2025-08-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-11
change-person-director-company-with-change-date
officers · CH01
2025-08-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-05
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-07
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-13