SFL PROPERTIES LTD

🌳Matureactive

SC526039 · ltd · incorporated 2016-02-05

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 Mar 2025

Net worth

£130.6k

book net assets

Opportunity

73/100

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

Pursue

Property-backed borrower with a 68-year-old founder — textbook succession opportunity.

Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (68/100, 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 (73/100).

🏦

Refinance opportunity

14 live charges · 3 lenders · oldest 10.2y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 10.2 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

Lenders & charges

14 charges (14/14 with lender, 14/14 with type)

Directors & officers

3 officers (2 active, 3 linked, 3 with DOB)

Ownership & PSC

3 active PSC(s) of 3 total, 3 with control declared

Director network

1 connected companies via shared directors

Filing history

47 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

73/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £130,601

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£131k

↑ 20% YoY

Current Assets

£23k

↓ 29% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-03-31	2024-03-31
Total assets	£902.4k	£921.9k
Current assets	£23.1k	£32.4k
Net assets	£130.6k	£108.8k

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (42 events)Click to expand

2025-07-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-06-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-02
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-10-27
🔒
Charge registered #14
Lender: Aldermore Bank PLC
2021-09-30
➖
WILSON, Louise Alison resigned
director
2021-09-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-09-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-09-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-09-06
🔓
Charge satisfied #5
2021-09-06
🔓
Charge satisfied #4
2021-09-06
🔓
Charge satisfied #3
2021-08-27
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-08-10
🔒
Charge registered #13
Lender: Charter Court Financial Services Limited
2021-05-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-02
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-04-02
🔓
Charge satisfied #7
2021-03-09
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-03-09
📄
change-person-director-company-with-change-date
officers · CH01
2021-03-09
📄
change-person-director-company-with-change-date
officers · CH01
2021-03-09
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-03-09
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-06-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-02-18
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-02-11
🔒
Charge registered #12
Lender: Aldermore Bank PLC
2019-08-07
🔒
Charge registered #11
Lender: Aldermore Bank PLC
2019-04-01
🔒
Charge registered #10
Lender: Aldermore Bank PLC
2019-04-01
🔒
Charge registered #9
Lender: Aldermore Bank PLC
2019-02-05
🔒
Charge registered #8
Lender: Aldermore Bank PLC
2016-10-26
🔒
Charge registered #7
Lender: Bank of Scotland PLC
2016-08-31
🔒
Charge registered #6
Lender: Bank of Scotland PLC
2016-07-21
🔒
Charge registered #5
Lender: Bank of Scotland PLC
2016-06-29
🔒
Charge registered #4
Lender: Bank of Scotland PLC
2016-06-29
🔒
Charge registered #3
Lender: Bank of Scotland PLC
2016-05-23
🔒
Charge registered #2
Lender: Bank of Scotland PLC
2016-03-22
🔒
Charge registered #1
Lender: Bank of Scotland PLC
2016-02-05
🏢
Company incorporated
As SFL PROPERTIES LTD
2016-02-05
➕
WILSON, Frances Isabel appointed
director
2016-02-05
➕
WILSON, Stuart Thomas appointed
director
2016-02-05
➕
WILSON, Louise Alison 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 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

61/100

Strong succession signal

Multiple 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.
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 · 1 low

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.

10 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Frances Isabel Wilson Individual · British · DOB 11/1958 · age 68	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Miss Louise Alison Wilson Individual · British · DOB 01/1992 · age 34	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mr Stuart Thomas Wilson Individual · British · DOB 07/1967 · age 59	25–50%	25–50%	25-50% shares · 25-50% voting	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 · TD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AITKEN-WALKER PROPERTY CO LTD.→ 04138544 · est 2001	£559.9k £475.9k–£643.9k	—	£559.9k	—	25y	82	67y
BORDERS PROPERTY LIMITED→ SC297249 · est 2006	£269.9k £229.4k–£310.4k	—	£269.9k	—	20y	83	68y
ALAN SHIEL LIMITED→ SC238129 · est 2002	£64.4k £54.8k–£74.1k	—	£64.4k	—	23y	82	60y
DUNSDALEHAUGH HOLDINGS LTD.→ SC320576 · est 2007	£6.1k £5.2k–£7.1k	—	£6.1k	—	19y	83	59y
HOLY ISLAND OF LINDISFARNE COMMUNITY DEVELOPMENT TRUST→ 06776737 · est 2008 · no financials extracted	—	—	—	—	17y	83	82y
ALBORADO LIMITED→ SC255444 · est 2003	—	—	—	100	22y	82	73y
DRUMMOSSIE ESTATES LIMITED→ SC184782 · est 1998	—	—	—	—	28y	82	67y
LORNATRAD LIMITED→ 14418706 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
RAMCAP LTD→ 14220443 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
STAFFORD CHARLES LIMITED→ 07130487 · est 2010 · no financials extracted	—	—	—	—	16y	—	—
THE LIMEWORKS LTD→ 12574825 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
TROMIE LTD→ 14338512 · est 2022 · no financials extracted	—	—	—	—	3y	—	—

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

Incorporated2016-02-05

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

7 Brownsmuir Park

Lauder

Borders

TD2 6QD

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-18

Last: 2026-02-04

Officers (2 active · 1 resigned)

WILSON, Frances Isabel→

director · ~68y · appointed 2016-02-05

View their other companies + combined net worth →

Active

WILSON, Stuart Thomas→

director · ~59y · appointed 2016-02-05

View their other companies + combined net worth →

Active

WILSON, Louise Alison→

director · ~34y · appointed 2016-02-05 · resigned 2021-09-30

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:14 of 14 shown

		Type	Properties
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	27/10/2021	—
outstanding	Precise Mortgages Charter Court Financial Services Limited	A registered charge	1 property	10/08/2021	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	2 properties	11/02/2020	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	2 properties	07/08/2019	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	3 properties	01/04/2019	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	2 properties	01/04/2019	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	2 properties	05/02/2019	—
satisfied	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	26/10/2016	02/04/2021
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	31/08/2016	—
satisfied	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	21/07/2016	06/09/2021
satisfied	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	29/06/2016	06/09/2021
satisfied	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	29/06/2016	06/09/2021
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	23/05/2016	—
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	—	22/03/2016	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (47 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-02-24

accounts-with-accounts-type-micro-entity

accounts · AA

2025-07-14

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-02-10

termination-director-company-with-name-termination-date

officers · TM01

2025-02-04

accounts-with-accounts-type-micro-entity

accounts · AA

2024-06-12

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-02-15

accounts-with-accounts-type-micro-entity

accounts · AA

2023-06-27

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-02-06

accounts-with-accounts-type-micro-entity

accounts · AA

2022-06-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-02-07

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2021-11-02

mortgage-satisfy-charge-full

mortgage · MR04

2021-09-06

mortgage-satisfy-charge-full

mortgage · MR04

2021-09-06

mortgage-satisfy-charge-full

mortgage · MR04

2021-09-06

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2021-08-27