SISTERS PROPERTIES (SCOTLAND) LIMITED

🌳Matureactive
SC490111 · ltd · incorporated 2014-10-30
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 11.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2026
Net worth
£86.4k
book net assets
Opportunity
72/100
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
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 72/100 (strong), bankability 65/100. 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

6 live charges · 2 lenders · oldest 11.3y

70/100
ready

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

  • · Oldest live charge is 11.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 23/100 — 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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
42 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 declared
Positive net assets
Net assets £86,380
Net assets shrinking
Down £3,772 YoY
Cash YoY
+37024%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£146k
↑ 37024% YoY
Net Worth
£86k
↓ 4.2% YoY
Current Assets
—
Current Liabilities
—
£0£29k£58k£88k£117k£146kJan 2025Jan 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-01-312025-01-31
Total assets£388.9k£167.3k
Current assets—£393
Cash£145.9k£393
Net assets£86.4k£90.2k

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
9
filings
  • • 5 mortgage
  • • 2 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
  1. 2026-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-01-27
    ➖
    MCDOUGALL, Gemma resigned
    director
  3. 2026-01-27
    ➖
    MCDOUGALL, Mark Fraser resigned
    director
  4. 2026-01-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2026-01-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2025-12-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2025-12-03
    🔒
    Charge registered #6
    Lender: Atom Bank PLC
  8. 2025-11-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2025-11-27
    🔓
    Charge satisfied #1
  10. 2025-11-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2025-11-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2025-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2025-11-19
    🔒
    Charge registered #4
    Lender: Atom Bank PLC
  14. 2025-11-19
    🔒
    Charge registered #3
    Lender: Atom Bank PLC
  15. 2025-11-14
    🔒
    Charge registered #5
    Lender: Atom Bank PLC
  16. 2025-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2025-09-30
    ➕
    MCDOUGALL, Gemma appointed
    director
  18. 2025-09-30
    ➕
    MCDOUGALL, Mark Fraser appointed
    director
  19. 2025-09-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2025-09-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2025-09-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2024-10-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2023-11-09
    ➖
    MCDOUGALL, Fraser resigned
    director
  24. 2023-11-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  25. 2023-11-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  26. 2023-11-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  27. 2023-06-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  28. 2023-05-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  29. 2023-04-06
    ➕
    MCDOUGALL, Fraser appointed
    director
  30. 2022-11-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  31. 2022-11-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  32. 2022-07-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  33. 2015-03-10
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  34. 2015-02-13
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  35. 2014-10-30
    🏢
    Company incorporated
    As SISTERS PROPERTIES (SCOTLAND) LIMITED
  36. 2014-10-30
    ➕
    MCDOUGALL, Ewen appointed
    director
  37. 2014-10-30
    ➕
    MCDOUGALL, Jacqueline appointed
    director

Owner dependency

74/100
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 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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 62. 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

2 med · 1 low
2 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: MCDOUGALL, Gemma resigned 2026-01-27; MCDOUGALL, Mark Fraser resigned 2026-01-27

4 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2025-12-03: A registered charge; 2025-11-19: A registered charge; 2025-11-19: A registered charge

5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Ewen Mcdougall
Individual · British · DOB 10/1964 · age 62
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Jaqueline Mcdougall
Individual · British · DOB 05/1968 · age 58
25–50%
25–50%25-50% shares · 25-50% 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
Incorporated2014-10-30
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

25 Sandyford Place
Glasgow
G3 7NG

Filing status

Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2026-11-13
Last: 2025-10-30

Officers (2 active · 3 resigned)

MCDOUGALL, Ewen→
director · ~62y · appointed 2014-10-30
View their other companies + combined net worth →
Active
MCDOUGALL, Jacqueline→
director · ~58y · appointed 2014-10-30
View their other companies + combined net worth →
Active
MCDOUGALL, Fraser→
director · ~19y · appointed 2023-04-06 · resigned 2023-11-09
Resigned
MCDOUGALL, Gemma→
director · ~22y · appointed 2025-09-30 · resigned 2026-01-27
Resigned
MCDOUGALL, Mark Fraser→
director · ~19y · appointed 2025-09-30 · resigned 2026-01-27
Resigned

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

Mortgages & charges

6
Total charges
5
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Atom Bank
Atom Bank PLC
A registered charge1 property03/12/2025—
outstanding
Atom Bank
Atom Bank PLC
A registered charge1 property19/11/2025—
outstanding
Atom Bank
Atom Bank PLC
A registered charge1 property19/11/2025—
outstanding
Atom Bank
Atom Bank PLC
A registered charge—14/11/2025—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property10/03/2015—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—13/02/201527/11/2025
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (42 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-28
termination-director-company-with-name-termination-date
officers · TM01
2026-01-27
termination-director-company-with-name-termination-date
officers · TM01
2026-01-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-05
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-31
change-person-director-company-with-change-date
officers · CH01
2025-09-30
appoint-person-director-company-with-name-date
officers · AP01
2025-09-30
appoint-person-director-company-with-name-date
officers · AP01
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-02