GLOAG INVESTMENT PROPERTIES LIMITED

🌳Matureactive
SC525279 · ltd · incorporated 2016-01-27
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 9.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
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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
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

4 live charges · oldest 9.6y

85/100
ready

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

  • · Oldest live charge is 9.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
32 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
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-10-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-11-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2022-11-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2022-11-24
    🔓
    Charge satisfied #3
  7. 2022-11-24
    🔓
    Charge satisfied #2
  8. 2022-11-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-03-01
    ➖
    MCCABE, Gary John resigned
    secretary
  10. 2022-03-01
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2021-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-03-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-09-06
    ➖
    BRADLEY, Pauline Anne resigned
    director
  16. 2018-09-06
    ➖
    GLOAG, Ann Heron resigned
    director
  17. 2018-09-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2018-09-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2017-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2016-12-06
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  21. 2016-10-26
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  22. 2016-10-26
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  23. 2016-10-26
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  24. 2016-10-17
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  25. 2016-10-14
    ➕
    MCCABE, Gary John appointed
    director
  26. 2016-10-14
    ➕
    MCCABE, Gary John appointed
    secretary
  27. 2016-01-27
    🏢
    Company incorporated
    As GLOAG INVESTMENT PROPERTIES LIMITED
  28. 2016-01-27
    ➕
    MACKINTOSH, Iain Stewart appointed
    director
  29. 2016-01-27
    ➕
    BRADLEY, Pauline Anne appointed
    director
  30. 2016-01-27
    ➕
    GLOAG, Ann Heron appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Highland & Universal Investments Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Highland & Universal Investments Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
GLOAG INVESTMENT PROPERTIES LIMITED
This company · SC525279

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Highland & Universal Investments Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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

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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2016-01-27
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

56 George Street
Edinburgh
EH2 2LR
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-09
Last: 2026-01-26

Officers (2 active · 3 resigned)

MACKINTOSH, Iain Stewart→
director · ~55y · appointed 2016-01-27
View their other companies + combined net worth →
Active
MCCABE, Gary John→
director · ~54y · appointed 2016-10-14
View their other companies + combined net worth →
Active
MCCABE, Gary John→
secretary · appointed 2016-10-14 · resigned 2022-03-01
Resigned
BRADLEY, Pauline Anne→
director · ~65y · appointed 2016-01-27 · resigned 2018-09-06
Resigned
GLOAG, Ann Heron→
director · ~84y · appointed 2016-01-27 · resigned 2018-09-06
Resigned

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

Mortgages & charges

4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property26/10/2016—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property26/10/201624/11/2022
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property26/10/201624/11/2022
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—17/10/2016—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (32 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-26
mortgage-satisfy-charge-full
mortgage · MR04
2022-11-24
mortgage-satisfy-charge-full
mortgage · MR04
2022-11-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-07
termination-secretary-company-with-name-termination-date
officers · TM02
2022-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-26