AP PROPERTIES SCOTLAND LTD
🏛️Establishedactive
SC547062 · ltd · incorporated 2016-10-06
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
£55.4k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
21 live charges · 8 lenders · oldest 8.8y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.8 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
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
75
Lenders & charges
21 charges (21/21 with lender, 21/21 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒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
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £55,438
Cash YoY
-23%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£54k
↓ 23% YoY
Net Worth
£55k
↑ 186% YoY
Current Assets
£266k
↑ 46% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1.15M | £409.7k |
| Current assets | £265.7k | £181.6k |
| Cash | £53.5k | £69.3k |
| Debtors | £212.2k | £112.3k |
| Net assets | £55.4k | £-64.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (56 events)Click to expand
- 2025-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-29🔒Charge registered #21Lender: Paratus Amc Limited
- 2025-03-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-03🔒Charge registered #20Lender: Aldermore Bank PLC
- 2025-03-03🔒Charge registered #19Lender: Aldermore Bank PLC
- 2025-03-03🔒Charge registered #18Lender: Aldermore Bank PLC
- 2025-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-18🔒Charge registered #16Lender: Aldermore Bank PLC
- 2025-02-13🔒Charge registered #17Lender: VIEW360 Scotland LTD Pension Scheme
- 2024-12-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-27🔒Charge registered #15Lender: Charter Court Financial Services Limited
- 2024-11-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-19🔒Charge registered #14Lender: Hk Properties Scotland LTD Pension Scheme
- 2024-09-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-23🔓Charge satisfied #1
- 2024-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-30🔒Charge registered #13Lender: Aldermore Bank PLC
- 2024-06-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-05🔒Charge registered #12Lender: Paragon Bank PLC
- 2024-06-03🔒Charge registered #11Lender: Aldermore Bank PLC
- 2024-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-17🔒Charge registered #10Lender: Trusteeco (UK) LTD
- 2024-05-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-13🔓Charge satisfied #2
- 2024-04-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-19🔒Charge registered #9Lender: Aldermore Bank PLC
- 2023-09-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-29🔒Charge registered #8Lender: Paratus Amc Limited
- 2023-03-24🔒Charge registered #7Lender: Paragon Bank PLC
- 2022-06-07🔓Charge satisfied #3
- 2021-08-11🔒Charge registered #6Lender: Paragon Bank PLC
- 2021-03-31➕HOWARD, Anne Isabel Gilland appointeddirector
- 2021-03-31➖HOWARD, Shona resignedsecretary
- 2021-03-31➖HOWARD, Shona resigneddirector
- 2021-03-31➖PERCIVAL, Aaron resigneddirector
- 2021-03-09➕HOWARD, Stuart Kevin Pleace appointeddirector
- 2020-02-11🔒Charge registered #5Lender: Shawbrook Bank Limited
- 2018-12-19🔒Charge registered #4Lender: Shawbrook Bank Limited
- 2017-10-19🔒Charge registered #3Lender: Shawbrook Bank Limited
- 2017-06-27🔒Charge registered #2Lender: Shawbrook Bank Limited
Showing most recent 50 of 56 events
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
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.
18 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Anne Isabel Gilland Howard Individual · British · DOB 04/1967 · age 59 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 31/03/2021 |
Mr Stuart Kevin Pleace Howard Individual · British · DOB 03/1967 · age 59 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 31/03/2021 |
3 historic (ceased) PSCs
- Mr Philip Howardceased 05/01/2022· significant influence
- Mrs Shona Howardceased 31/03/2021· significant influence
- Mr Aaron Percivalceased 31/03/2021· 25-50% shares
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 |
|---|---|---|---|---|---|---|---|
| ANDERSON DOE PROPERTY LIMITED→ SC641112 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ANGEL VIEW INVEST LTD→ SC883397 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ANGUS PROPERTY INVESTMENTS LTD→ SC764272 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ANIMUS PROPERTIES LTD→ SC767800 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AP INVESTMENTS SCOTLAND LTD→ SC726420 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AP1 BUSINESS LTD→ SC874636 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| APPLECROSS HEALTHCARE LTD→ SC448742 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| APRIL WONG PROPERTIES LIMITED→ SC779579 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| APX PROPERTY LIMITED→ SC821488 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AQAAR LTD→ SC605100 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AQUILER PROPERTY LIMITED→ SC590195 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AR 2021 HOLDINGS LTD→ SC712708 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2016-10-06
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
1 Cambuslang Court
Cambuslang
Glasgow
Strathclyde
G32 8FH
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-20
Last: 2025-10-06
Officers (3 active · 3 resigned)
HOWARD, Anne Isabel Gilland→
Activedirector · ~59y · appointed 2021-03-31
View their other companies + combined net worth →
HOWARD, Philip→
Activedirector · ~33y · appointed 2016-10-06
View their other companies + combined net worth →
HOWARD, Stuart Kevin Pleace→
Activedirector · ~59y · appointed 2021-03-09
View their other companies + combined net worth →
HOWARD, Shona→
Resignedsecretary · appointed 2016-10-06 · resigned 2021-03-31
HOWARD, Shona→
Resigneddirector · ~34y · appointed 2016-10-06 · resigned 2021-03-31
PERCIVAL, Aaron→
Resigneddirector · ~36y · appointed 2016-10-06 · resigned 2021-03-31
Click a director name to see their full track record across all companies.
Mortgages & charges
21
Total charges
18
Outstanding
8
Active lenders
Status:Lender:21 of 21 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 29/05/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/03/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/03/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/03/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 18/02/2025 | — | |
| outstanding | VIEW360 Scotland Pension Scheme VIEW360 Scotland LTD Pension Scheme | A registered charge | 1 property | 13/02/2025 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 27/11/2024 | — | |
| outstanding | Hk Properties Scotland Pension Scheme Hk Properties Scotland LTD Pension Scheme | A registered charge | 1 property | 19/11/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 30/07/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 05/06/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/06/2024 | — | |
| outstanding | Trusteeco (UK) Trusteeco (UK) LTD | A registered charge | 1 property | 17/05/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/04/2024 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 29/08/2023 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/03/2023 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 11/08/2021 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 11/02/2020 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 19/12/2018 | — | |
| satisfied | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 19/10/2017 | 07/06/2022 | |
| satisfied | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 27/06/2017 | 13/05/2024 | |
| satisfied | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 27/06/2017 | 23/09/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (59 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-21
change-person-director-company-with-change-date
officers · CH01
2025-08-19
change-person-director-company-with-change-date
officers · CH01
2025-08-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-22