WD HARLEY PROPERTY LTD

🌳Matureactive
SC501666 · ltd · incorporated 2015-03-26
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 Nov 2024
Net worth
£-7.8k
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
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 72/100 (strong), bankability 77/100. High owner-dependency — earn-out structure likely required for clean transition. 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: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

6 live charges · 3 lenders · oldest 10.7y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 10.7 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Cashflow trend is negative — lender view likely cautious.

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
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
51 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Negative net assets
Liabilities exceed assets by £7,849
Cash draining
Cash down 92% YoY
Cash YoY
-92%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£303
↓ 92% YoY
Net Worth
-£8k
↑ 20% YoY
Current Assets
£17k
↓ 34% YoY
Current Liabilities
—
-£10k-£3k£5k£12k£19k£26kNov 2023Nov 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-11-302023-11-30
Total assets£-2.4k£-2.6k
Current assets£17.3k£26.1k
Cash£303£3.6k
Debtors£17.0k£22.5k
Net assets£-7.8k£-9.8k

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

🔒Filing-note intelligence

4 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
2
filings
  • • 1 officers
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
  1. 2025-12-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-12-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-12-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2025-12-02
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2025-12-01
    ➕
    HARLEY, Alan appointed
    director
  6. 2025-12-01
    ➖
    HARLEY, Douglas resigned
    director
  7. 2025-12-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2025-12-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2025-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2025-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2023-08-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-08-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2022-03-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2022-03-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2021-12-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2021-06-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-08-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2020-04-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2020-04-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  20. 2020-04-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  21. 2018-01-30
    🔓
    Charge satisfied #6
  22. 2018-01-30
    🔓
    Charge satisfied #5
  23. 2018-01-30
    🔓
    Charge satisfied #4
  24. 2018-01-30
    🔓
    Charge satisfied #3
  25. 2016-10-26
    🔓
    Charge satisfied #1
  26. 2016-10-26
    🔓
    Charge satisfied #2
  27. 2016-09-12
    🔒
    Charge registered #6
    Lender: Svenska Handelsbanken Ab (Publ)
  28. 2016-09-12
    🔒
    Charge registered #5
    Lender: Svenska Handelsbanken Ab (Publ)
  29. 2016-06-06
    🔒
    Charge registered #4
    Lender: Svenska Handelsbanken Ab
  30. 2016-06-06
    🔒
    Charge registered #3
    Lender: Svenska Handelsbanken Ab (Publ)
  31. 2015-10-19
    🔒
    Charge registered #1
    Lender: Lorna Logan
  32. 2015-10-14
    🔒
    Charge registered #2
    Lender: Lorna Logan
  33. 2015-07-31
    ➖
    HARLEY, Alan resigned
    director
  34. 2015-07-13
    ➕
    HARLEY, Alan appointed
    director
  35. 2015-03-26
    🏢
    Company incorporated
    As WD HARLEY PROPERTY LTD
  36. 2015-03-26
    ➕
    HARLEY, Graeme appointed
    director
  37. 2015-03-26
    ➕
    HARLEY, Douglas appointed
    director

Owner dependency

81/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "HARLEY" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

41/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • 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.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Alan Harley
Individual · Scottish · DOB 09/1983 · age 43
25–50%
—25-50% shares01/12/2025
Mr Graeme Harley
Individual · British · DOB 07/1979 · age 47
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mr Douglas Harleyceased 01/12/2025· 25-50% shares · 25-50% voting

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
Incorporated2015-03-26
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Ancaster Business Centre
Cross Street
Callander
FK17 8EA

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-11
Last: 2025-11-27

Officers (2 active · 2 resigned)

HARLEY, Alan→
director · ~43y · appointed 2025-12-01
View their other companies + combined net worth →
Active
HARLEY, Graeme→
director · ~47y · appointed 2015-03-26
View their other companies + combined net worth →
Active
HARLEY, Alan→
director · ~43y · appointed 2015-07-13 · resigned 2015-07-31
Resigned
HARLEY, Douglas→
director · ~45y · appointed 2015-03-26 · resigned 2025-12-01
Resigned

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

Mortgages & charges

6
Total charges
0
Outstanding
0
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
satisfied
Svenska Handelsbanken Ab (Publ)
A registered charge1 property12/09/201630/01/2018
satisfied
Svenska Handelsbanken Ab (Publ)
A registered charge1 property12/09/201630/01/2018
satisfied
Svenska Handelsbanken Ab
A registered charge—06/06/201630/01/2018
satisfied
Svenska Handelsbanken Ab (Publ)
A registered charge1 property06/06/201630/01/2018
satisfied
Lorna Logan
A registered charge1 property19/10/201526/10/2016
satisfied
Lorna Logan
A registered charge1 property14/10/201526/10/2016

Recent filings (51 total)

change-person-director-company-with-change-date
officers · CH01
2025-12-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-18
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-12-02
appoint-person-director-company-with-name-date
officers · AP01
2025-12-01
termination-director-company-with-name-termination-date
officers · TM01
2025-12-01
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-23
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-30