B E PROPERTIES LTD

🌳Matureactive
SC484426 · ltd · incorporated 2014-08-15
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 11.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
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 bankable structure.

Opportunity 80/100 (exceptional), bankability 80/100. 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 (73/100).

🏦

Refinance opportunity

2 live charges · oldest 11.6y

85/100
ready

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

  • · Oldest live charge is 11.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£505k£1.0m£1.5m£2.0m£2.5mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets—£2.95M
Current assets—£526.8k
Cash—£18.3k
Debtors—£508.5k
Net assets—£2.53M
Average employees4—

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
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2025-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-06-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-06-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2024-11-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-08-15
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2023-08-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2023-08-01
    ➖
    MACKAY, Bridget Marie resigned
    director
  10. 2023-03-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-01-29
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  14. 2019-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-04-04
    📄
    accounts-amended-with-accounts-type-total-exemption-small
    accounts · AAMD
  18. 2016-04-18
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  19. 2014-09-22
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  20. 2014-08-15
    🏢
    Company incorporated
    As B E PROPERTIES LTD
  21. 2014-08-15
    ➕
    MCCUTCHEON, David James appointed
    director
  22. 2014-08-15
    ➕
    SMITH, Gary Richard appointed
    director
  23. 2014-08-15
    ➕
    COSEC LIMITED appointed
    corporate-secretary
  24. 2014-08-15
    ➖
    COSEC LIMITED resigned
    corporate-secretary
  25. 2014-08-15
    ➕
    MACKAY, Bridget Marie appointed
    director
  26. 2014-08-15
    ➕
    MCMEEKIN, James Stuart appointed
    director
  27. 2014-08-15
    ➖
    MCMEEKIN, James Stuart resigned
    director
  28. 2014-08-15
    ➕
    COSEC LIMITED appointed
    corporate-director
  29. 2014-08-15
    ➖
    COSEC LIMITED resigned
    corporate-director

Owner dependency

66/100
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 64 — approaching natural succession window.

Succession & seller-readiness

61/100
Strong succession signal

Multiple 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.
  • 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 James Mccutcheon
Individual · British · DOB 12/1962 · age 64
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Gary Richard Smith
Individual · British · DOB 05/1964 · age 62
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
1 historic (ceased) PSC
  • Mrs Bridget Marie Mackayceased 01/08/2023· board control

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

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
Incorporated2014-08-15
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

C/O Simple Selfstore Ltd Block 10, Unit 5, Howden Avenue
Newhouse Industrial Estate
Motherwell
ML1 5RY
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-29
Last: 2025-08-15

Officers (2 active · 4 resigned)

MCCUTCHEON, David James→
director · ~64y · appointed 2014-08-15
View their other companies + combined net worth →
Active
SMITH, Gary Richard→
director · ~62y · appointed 2014-08-15
View their other companies + combined net worth →
Active
COSEC LIMITED→
corporate-secretary · appointed 2014-08-15 · resigned 2014-08-15
Resigned
MACKAY, Bridget Marie→
director · ~55y · appointed 2014-08-15 · resigned 2023-08-01
Resigned
MCMEEKIN, James Stuart→
director · ~59y · appointed 2014-08-15 · resigned 2014-08-15
Resigned
COSEC LIMITED→
corporate-director · appointed 2014-08-15 · resigned 2014-08-15
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property18/04/2016—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—22/09/2014—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (45 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-08
change-person-director-company-with-change-date
officers · CH01
2025-06-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-15
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-08-15
termination-director-company-with-name-termination-date
officers · TM01
2023-08-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-29
confirmation-statement-with-updates
confirmation-statement · CS01
2021-08-16