VYVO PROPERTY SOLUTIONS LIMITED

🌳Matureactive
SC494497 · ltd · incorporated 2015-01-07
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 Mar 2025
Net worth
£-3.0k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pass (distressed without resilience)
Property-backed borrower. Family succession underway — not a classic acquisition target.

Opportunity 80/100 (exceptional), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · oldest 11.3y

85/100
ready

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

  • · Oldest live charge is 11.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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
3 charges (3/3 with lender, 3/3 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
1 connected companies via shared directors
48
Filing history
30 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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Negative net assets
Liabilities exceed assets by £2,965

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£3k
↑ 77% YoY
Current Assets
£22k
↑ 84% YoY
Current Liabilities
—
-£13k-£6k£1k£8k£15k£22kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£131.8k£137.0k
Current assets£22.4k£12.2k
Net assets£-3.0k£-12.8k

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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-08-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-08-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-08-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2023-07-30
    ➕
    VERNON, Tom Bruce appointed
    director
  5. 2023-07-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2023-07-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-07-15
    ➕
    VERNON, Ciara Douglas appointed
    director
  8. 2023-07-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2022-10-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-07-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2022-07-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2022-07-14
    🔓
    Charge satisfied #2
  13. 2022-07-13
    🔒
    Charge registered #3
    Lender: Aldermore Bank PLC
  14. 2021-12-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2020-09-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-08-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2018-12-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2017-11-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2016-10-12
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  20. 2015-02-06
    🔒
    Charge registered #2
    Lender: Aldermore Bank PLC
  21. 2015-01-30
    🔒
    Charge registered #1
    Lender: Aldermore Bank PLC
  22. 2015-01-07
    🏢
    Company incorporated
    As VYVO PROPERTY SOLUTIONS LIMITED
  23. 2015-01-07
    ➕
    FERGUSON, Jan Carmichael appointed
    director
  24. 2015-01-07
    ➕
    VERNON, Bruce appointed
    director

Owner dependency

63/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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
Ms Jan Carmichael Ferguson
Individual · British · DOB 09/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Bruce Vernon
Individual · British · DOB 10/1961 · age 65
25–50%
—25-50% shares06/04/2016

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
Incorporated2015-01-07
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

17 Margaret Rose Avenue
Edinburgh
EH10 7EG

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-12
Last: 2025-12-29

Officers (4 active · 0 resigned)

FERGUSON, Jan Carmichael→
director · ~61y · appointed 2015-01-07
View their other companies + combined net worth →
Active
VERNON, Bruce→
director · ~65y · appointed 2015-01-07
View their other companies + combined net worth →
Active
VERNON, Ciara Douglas→
director · ~28y · appointed 2023-07-15
View their other companies + combined net worth →
Active
VERNON, Tom Bruce→
director · ~25y · appointed 2023-07-30
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Aldermore
Aldermore Bank PLC
A registered charge2 properties13/07/2022—
satisfied
Aldermore
Aldermore Bank PLC
A registered charge1 property06/02/201514/07/2022
outstanding
Aldermore
Aldermore Bank PLC
A registered charge—30/01/2015—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (30 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-31
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-29
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-08-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-01
appoint-person-director-company-with-name-date
officers · AP01
2023-07-30
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-24
appoint-person-director-company-with-name-date
officers · AP01
2023-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-30
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-07-22
mortgage-satisfy-charge-full
mortgage · MR04
2022-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-30
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-16