SURPLUS PROPERTY SOLUTIONS HOLDINGS LIMITED
🌳Matureactive
SC519999 · ltd · incorporated 2015-11-11
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
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 70100Activities of head offices
Investor take
PursueProperty-backed borrower with a 71-year-old founder — textbook succession opportunity.
Opportunity 74/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 71). Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
14 live charges · 7 lenders · oldest 9.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 9.7 years old — likely at or near maturity.
- · 7 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
14 charges (14/14 with lender, 14/14 with type)
90
Directors & officers
5 officers (5 active, 5 linked, 4 with DOB)
86
Ownership & PSC
4 active PSC(s) of 4 total, 4 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
63 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 2 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2026-01-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-01-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-10-21📄accounts-with-accounts-type-groupaccounts · AA
- 2025-09-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-03🔒Charge registered #14Lender: National Westminster Bank PLC
- 2024-12-13📄accounts-with-accounts-type-groupaccounts · AA
- 2024-12-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-29🔒Charge registered #13Lender: National Westminster Bank PLC
- 2024-11-29🔒Charge registered #12Lender: National Westminster Bank PLC
- 2024-06-17➕COLHOUN, John Padraig appointeddirector
- 2024-06-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-21📄accounts-with-accounts-type-groupaccounts · AA
- 2023-10-30📄change-person-director-company-with-change-dateofficers · CH01
- 2023-08-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-18🔒Charge registered #11Lender: National Westminster Bank PLC
- 2023-08-18🔒Charge registered #10Lender: National Westminster Bank PLC
- 2023-03-01📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-02-28📄gazette-notice-compulsorygazette · GAZ1
- 2023-02-23📄accounts-with-accounts-type-groupaccounts · AA
- 2022-09-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-13📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-29📄accounts-with-accounts-type-groupaccounts · AA
- 2020-12-18📄accounts-with-accounts-type-groupaccounts · AA
- 2019-03-05🔒Charge registered #9Lender: Wm Morrison Supermarkets PLC
- 2018-05-02🔒Charge registered #8Lender: City Property Glasgow (Investments) LLP
- 2017-09-29🔒Charge registered #7Lender: B&Q Properties Limited
- 2017-05-11🔒Charge registered #6Lender: B & Q PLC
- 2017-05-11🔒Charge registered #5Lender: Whitbread Group PLC
- 2017-03-02🔓Charge satisfied #4
- 2017-03-02🔓Charge satisfied #3
- 2017-03-02🔓Charge satisfied #2
- 2017-01-30🔓Charge satisfied #1
- 2016-12-22🔒Charge registered #4Lender: Bank of Scotland PLC
- 2016-10-03🔒Charge registered #3Lender: Bank of Scotland PLC
- 2016-09-15🔒Charge registered #2Lender: Bank of Scotland PLC
- 2016-09-15🔒Charge registered #1Lender: Bank of Scotland PLC
- 2016-03-01➕COUTTS, Johanne appointedsecretary
- 2016-02-08➕AYTON, Ann appointeddirector
- 2015-11-11🏢Company incorporatedAs SURPLUS PROPERTY SOLUTIONS HOLDINGS LIMITED
- 2015-11-11➕COLHOUN, Francis appointeddirector
- 2015-11-11➕FOSTER, Adam Lincoln 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 71 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
10 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
4 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Colhoun Individual · British · DOB 04/1972 · age 54 | — | — | sig. influencesignificant influence · trust interest | 01/01/2026 |
Mr Terence Gerard Colhoun Individual · British · DOB 12/1975 · age 51 | — | — | sig. influencesignificant influence · trust interest | 01/01/2026 |
Mr Adam Lincoln Foster Individual · British · DOB 10/1963 · age 63 | — | — | sig. influencesignificant influence | 06/04/2016 |
Mr Francis Colhoun Individual · British · DOB 04/1973 · age 53 | — | — | sig. influencesignificant influence | 06/04/2016 |
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 →Similar companies
Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BARRWOOD DEVELOPMENTS LIMITED→ SC055126 · est 1974 | £117.8k £100.1k–£135.5k | — | £117.8k | — | 52y | 83 | 59y |
| AR (WELLMEADOW) LTD→ SC393743 · est 2011 | £5.0k £4.2k–£5.7k | — | £5.0k | — | 15y | 83 | 59y |
| AMBASSADOR REAL ESTATE INVESTMENTS LTD→ SC393740 · est 2011 | £100 £85–£115 | — | £100 | — | 15y | 83 | 59y |
| HOWE STREET PROPERTIES LIMITED→ SC435893 · est 2012 | — | £24.9k | — | 0 | 13y | 84 | 65y |
| ROSS & LIDDELL LIMITED→ SC097770 · est 1986 | — | — | — | 100 | 40y | 84 | 60y |
| AEROBLUE LIMITED→ SC185922 · est 1998 · no financials extracted | — | — | — | — | 28y | 83 | 73y |
| BALMORE ESTATES LIMITED→ SC435326 · est 2012 | — | — | — | 300 | 13y | 83 | 60y |
| YCJB PROPERTY LTD→ SC833330 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| YELLOW BIRD ASSETS LTD→ SC841684 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ZAINABMATLOOB LTD→ SC852852 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ZATA INVESTMENTS LTD→ SC687373 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ZERMATT PROPERTIES LIMITED→ SC111856 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2015-11-11
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
1/1, 15 North Claremont Street
Glasgow
G3 7NR
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-24
Last: 2025-11-10
Officers (5 active · 0 resigned)
Active
Active
COLHOUN, Francis→
Activedirector · ~53y · appointed 2015-11-11
View their other companies + combined net worth →
COLHOUN, John Padraig→
Activedirector · ~54y · appointed 2024-06-17
View their other companies + combined net worth →
FOSTER, Adam Lincoln→
Activedirector · ~63y · appointed 2015-11-11
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
14
Total charges
10
Outstanding
6
Active lenders
Status:Lender:14 of 14 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 03/09/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 29/11/2024 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 29/11/2024 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 18/08/2023 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 18/08/2023 | — | |
| outstanding | Wm Morrison Supermarkets Wm Morrison Supermarkets PLC | A registered charge | — | 05/03/2019 | — | |
| outstanding | City Property Glasgow (Investments) City Property Glasgow (Investments) LLP | A registered charge | 2 properties | 02/05/2018 | — | |
| outstanding | B&Q Properties B&Q Properties Limited | A registered charge | 1 property | 29/09/2017 | — | |
| outstanding | B & Q B & Q PLC | A registered charge | 1 property | 11/05/2017 | — | |
| outstanding | Whitbread Group Whitbread Group PLC | A registered charge | 1 property | 11/05/2017 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 22/12/2016 | 02/03/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 03/10/2016 | 02/03/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 15/09/2016 | 02/03/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 15/09/2016 | 30/01/2017 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (63 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-01-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-group
accounts · AA
2025-10-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-05
accounts-with-accounts-type-group
accounts · AA
2024-12-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-03
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-14
appoint-person-director-company-with-name-date
officers · AP01
2024-06-17
accounts-with-accounts-type-group
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-14
change-person-director-company-with-change-date
officers · CH01
2023-10-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-22