ADVANCE FREEHOLD LTD
🌳Matureactive
SC492924 · ltd · incorporated 2014-12-08
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
£1.45M
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
ALSO REGISTERED FOR
- 70100Activities of head offices
Investor take
PursueProperty-backed borrower with a 68-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 68). 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 (65/100).
🏦
Refinance opportunity
6 live charges · 3 lenders · oldest 11.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 11.3 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 (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 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
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
21 connected companies via shared directors
90
Filing history
34 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
76/100Strong
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £1,445,541
Cash YoY
-6%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£399k
↓ 6.1% YoY
Net Worth
£1.4m
↑ 13% YoY
Current Assets
£695k
↑ 26% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £1.50M | £1.33M |
| Current assets | £694.9k | £550.9k |
| Cash | £398.5k | £424.5k |
| Debtors | £296.4k | £126.3k |
| Net assets | £1.45M | £1.28M |
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
2
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-12-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-01➕PANKHURST, Drew appointeddirector
- 2025-02-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-12🔒Charge registered #6Lender: South Lanarkshire Council
- 2024-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-24🔒Charge registered #5Lender: John G Russell (Transport) Limited
- 2023-07-04➕DIGNALL, Thomas Bryce appointeddirector
- 2023-07-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-24📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-29🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2021-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-02-25🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2019-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-02-02🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2014-12-23🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2014-12-08🏢Company incorporatedAs ADVANCE FREEHOLD LTD
- 2014-12-08➕SHIELDS, Daniella appointeddirector
- 2014-12-08➕SHIELDS, James Martin appointeddirector
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 low6 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 James Martin Shields Individual · Irish · DOB 10/1968 · age 58 | 25–50% | — | 25-50% shares | 01/07/2016 |
Mrs Daniella Shields Individual · British · DOB 04/1968 · age 58 | 25–50% | — | 25-50% shares | 01/07/2016 |
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 · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A W BRITTON LIMITED→ SC262068 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| A.W. LITHGOW PROPERTIES LIMITED→ SC103125 · est 1987 · no financials extracted | — | — | — | — | 39y | — | — |
| ALMADA DEVELOPMENTS LTD.→ SC228289 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| AMARCO ESTATES LTD→ SC655549 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| AMATOLA HOLDINGS LTD→ SC554855 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ANTHOUSE LTD→ SC529112 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| APEXLETS2024 LTD→ SC814815 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AQUA CHURCH LTD→ SC742220 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AQUILA MANAGEMENT SERVICES PROPERTY FACTORING LIMITED→ SC788833 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AS ENTERPRISE SCOTLAND LTD→ SC542654 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ASHRAF ESTATES LTD→ SC854454 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ASHTON BUSINESS & PROPERTY LIMITED→ SC615064 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2014-12-08
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Caldergrove House 4 Linnet Way
Strathclyde Business Park
Bellshill
Lanarkshire
ML4 3RA
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-22
Last: 2025-12-08
Officers (4 active · 0 resigned)
DIGNALL, Thomas Bryce→
Activedirector · ~68y · appointed 2023-07-04
View their other companies + combined net worth →
PANKHURST, Drew→
Activedirector · ~46y · appointed 2025-03-01
View their other companies + combined net worth →
SHIELDS, Daniella→
Activedirector · ~58y · appointed 2014-12-08
View their other companies + combined net worth →
SHIELDS, James Martin→
Activedirector · ~58y · appointed 2014-12-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
6
Outstanding
3
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | South Lanarkshire Council | A registered charge | 1 property | 12/02/2025 | — | |
| outstanding | John G Russell (Transport) John G Russell (Transport) Limited | A registered charge | 1 property | 24/07/2023 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 3 properties | 29/06/2022 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 3 properties | 25/02/2020 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 02/02/2015 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 23/12/2014 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (34 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
appoint-person-director-company-with-name-date
officers · AP01
2025-03-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-31
appoint-person-director-company-with-name-date
officers · AP01
2023-07-04
change-person-director-company-with-change-date
officers · CH01
2023-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-06-30