GLOAG INVESTMENT PROPERTIES PORTFOLIO 2 LIMITED

🏛️Establishedactive
SC539514 · ltd · incorporated 2016-07-05
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 9.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
70/100
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 bankable structure.

Opportunity 70/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 9.7y

70/100
ready

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

  • · Oldest live charge is 9.7 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · 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, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
6 charges (6/6 with lender, 6/6 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
15 connected companies via shared directors
90
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
77
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
0
filings
Counts from Companies House filing history.
Corporate timeline (34 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 #1
  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. 2018-09-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2018-09-04
    🔓
    Charge satisfied #5
  21. 2018-01-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2017-06-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2017-05-30
    🔒
    Charge registered #6
    Lender: The Royal Bank of Scotland PLC
  24. 2017-05-29
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  25. 2017-02-20
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  26. 2017-01-24
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  27. 2016-10-17
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  28. 2016-10-14
    ➕
    MACKINTOSH, Iain Stewart appointed
    director
  29. 2016-10-14
    ➕
    MCCABE, Gary John appointed
    secretary
  30. 2016-09-23
    🔒
    Charge registered #1
    Lender: Stoneywood Developments Limited
  31. 2016-07-14
    ➕
    MCCABE, Gary John appointed
    director
  32. 2016-07-05
    🏢
    Company incorporated
    As GLOAG INVESTMENT PROPERTIES PORTFOLIO 2 LIMITED
  33. 2016-07-05
    ➕
    BRADLEY, Pauline Anne appointed
    director
  34. 2016-07-05
    ➕
    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

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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.

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 PORTFOLIO 2 LIMITED
This company · SC539514

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 controlsig. influence75-100% shares · 75-100% voting · board control · significant influence05/07/2016

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

7 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
Incorporated2016-07-05
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: 2026-07-18
Last: 2025-07-04

Officers (2 active · 3 resigned)

MACKINTOSH, Iain Stewart→
director · ~55y · appointed 2016-10-14
View their other companies + combined net worth →
Active
MCCABE, Gary John→
director · ~54y · appointed 2016-07-14
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 2016-07-05 · resigned 2018-09-06
Resigned
GLOAG, Ann Heron→
director · ~84y · appointed 2016-07-05 · resigned 2018-09-06
Resigned

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

Mortgages & charges

6
Total charges
3
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property30/05/2017—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property29/05/201704/09/2018
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property20/02/2017—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property24/01/201724/11/2022
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—17/10/2016—
satisfied
Stoneywood Developments
Stoneywood Developments Limited
A registered charge1 property23/09/201624/11/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (35 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-04
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
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-04
termination-secretary-company-with-name-termination-date
officers · TM02
2022-03-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-06