CUMBRAE PROPERTY LIMITED

🌳Matureactive
SC492499 · ltd · incorporated 2014-12-02
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 2024
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
Pursue
Active trading company with a 75-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 75). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

7 live charges · 5 lenders · oldest 9.0y

35/100
too messy

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

  • · Oldest live charge is 9.0 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (84/100)

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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
40 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
£16k
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£3k£6k£9k£13k£16kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£636.6k—
Cash£15.8k—
Average employees—0

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 signals 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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2025-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-11-30
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  5. 2022-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-11-29
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  7. 2021-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  9. 2020-12-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  10. 2020-12-08
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2020-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-06-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2019-06-03
    🔒
    Charge registered #7
    Lender: Bank of Scotland PLC
  15. 2019-05-29
    📄
    mortgage-alter-floating-charge-with-number
    mortgage · 466(Scot)
  16. 2019-01-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2019-01-09
    🔒
    Charge registered #6
    Lender: Bae Systems (Property Investments) Limited
  18. 2018-11-16
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2018-11-16
    🔓
    Charge satisfied #5
  20. 2018-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2018-07-06
    🔒
    Charge registered #5
    Lender: Bank of Scotland PLC
  22. 2018-07-06
    🔓
    Charge satisfied #3
  23. 2018-07-06
    🔓
    Charge satisfied #1
  24. 2018-06-15
    🔒
    Charge registered #4
    Lender: Bank of Scotland PLC
  25. 2017-08-09
    🔒
    Charge registered #3
    Lender: Bellair (Scotland) Limited
  26. 2017-06-30
    🔓
    Charge satisfied #2
  27. 2017-05-24
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  28. 2017-05-05
    🔒
    Charge registered #1
    Lender: Pacific Shelf 1773 Limited
  29. 2014-12-02
    🏢
    Company incorporated
    As CUMBRAE PROPERTY LIMITED
  30. 2014-12-02
    ➕
    GEDDES, Crawford Brown appointed
    director
  31. 2014-12-02
    ➕
    STEWART, Joseph Brian appointed
    director

Owner dependency

78/100
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.
  • +Founder age: Director aged approximately 75 — succession pressure is live.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

71/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
  • 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

3 corporate shareholders identified. Group structure is distributed.

🏛️
Orsay Bishopton Ltd
Corporate parent · holds 25-50% shares
significant stake
🏛️
Redesdale Developments Limited
Corporate parent · holds 25-50% shares
significant stake
🏛️
Cbrg Limited
Corporate parent · holds 25-50% shares
significant stake
⬇
CUMBRAE PROPERTY LIMITED
This company · SC492499

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Orsay Bishopton Ltd
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting25/03/2019
Redesdale Developments Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Cbrg Limited
Corporate entity
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • Dotmar Investments Limitedceased 06/04/2016· 25-50% shares

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
Incorporated2014-12-02
Jurisdictionscotland
Primary SIC41100 — Development of building projects

Registered office

34 Grange Knowe
Linlithgow
West Lothian
EH49 7HX

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-16
Last: 2025-12-02

Officers (2 active · 0 resigned)

GEDDES, Crawford Brown→
director · ~59y · appointed 2014-12-02
View their other companies + combined net worth →
Active
STEWART, Joseph Brian→
director · ~75y · appointed 2014-12-02
View their other companies + combined net worth →
Active

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

Mortgages & charges

7
Total charges
3
Outstanding
2
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property03/06/2019—
outstanding
Bae Systems (Property Investments)
Bae Systems (Property Investments) Limited
A registered charge1 property09/01/2019—
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property06/07/201816/11/2018
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—15/06/2018—
satisfied
Bellair (Scotland)
Bellair (Scotland) Limited
A registered charge1 property09/08/201706/07/2018
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—24/05/201730/06/2017
satisfied
Pacific Shelf 1773
Pacific Shelf 1773 Limited
A registered charge1 property05/05/201706/07/2018
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (40 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-25
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-14
gazette-filings-brought-up-to-date
gazette · DISS40
2022-11-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-29
gazette-notice-compulsory
gazette · GAZ1
2022-11-29
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2020-12-09
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2020-12-09