PAN PROPERTIES LIMITED

🌳Matureactive
SC530674 · ltd · incorporated 2016-03-24
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 10.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 79/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 10.1y

70/100
ready

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

  • · Oldest live charge is 10.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees300300

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-07-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-06-27
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  4. 2025-06-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-06-05
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  6. 2025-05-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2025-05-27
    🔓
    Charge satisfied #2
  8. 2025-04-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2025-04-10
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  10. 2024-06-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2023-07-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-07-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-07-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-10-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-12-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-04-18
    📄
    capital-name-of-class-of-shares
    capital · SH08
  18. 2018-04-18
    📄
    resolution
    resolution · RESOLUTIONS
  19. 2017-11-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2016-05-05
    🔒
    Charge registered #1
    Lender: Santander UK PLC
  21. 2016-04-22
    🔒
    Charge registered #2
    Lender: Santander UK PLC
  22. 2016-04-18
    ➕
    CARMICHAEL, Peter appointed
    secretary
  23. 2016-03-24
    🏢
    Company incorporated
    As PAN PROPERTIES LIMITED
  24. 2016-03-24
    ➕
    BAXTER, Alan Thomas appointed
    director
  25. 2016-03-24
    ➕
    CAMERON, Neil James appointed
    director
  26. 2016-03-24
    ➕
    CARMICHAEL, Peter 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
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

45/100
Moderate signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • 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.)

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Peter Carmichael
Individual · British · DOB 09/1978 · age 48
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Alan Thomas Baxter
Individual · British · DOB 11/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Neil James Cameron
Individual · British · DOB 08/1976 · age 50
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

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
Incorporated2016-03-24
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

6 Eden Valley Business Park
Cupar
Fife
KY15 4RB
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-06
Last: 2026-03-23

Officers (4 active · 0 resigned)

CARMICHAEL, Peter→
secretary · appointed 2016-04-18
View their other companies + combined net worth →
Active
BAXTER, Alan Thomas→
director · ~59y · appointed 2016-03-24
View their other companies + combined net worth →
Active
CAMERON, Neil James→
director · ~50y · appointed 2016-03-24
View their other companies + combined net worth →
Active
CARMICHAEL, Peter→
director · ~48y · appointed 2016-03-24
View their other companies + combined net worth →
Active

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

Mortgages & charges

5
Total charges
4
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property27/06/2025—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property05/06/2025—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—10/04/2025—
outstanding
Santander
Santander UK PLC
A registered charge1 property05/05/2016—
satisfied
Santander
Santander UK PLC
A registered charge—22/04/201627/05/2025
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
2026-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-09
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-09