KINGSMITH PROPERTY INVESTMENTS LTD

🏛️Establishedactive

SC562020 · ltd · incorporated 2017-03-30

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 Aug 2024

Net worth

—

book net assets

Opportunity

71/100

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

Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 71/100 (strong), bankability 67/100. 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. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).

🏦

Refinance opportunity

14 live charges · 9 lenders · oldest 6.8y

35/100

too messy

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

· Oldest live charge is 6.8 years old — likely at or near maturity.
· 9 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (73/100)

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

1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed

Lenders & charges

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

Directors & officers

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

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

7 connected companies via shared directors

Filing history

76 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

71/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Financials

Extracted from Companies House accounts · IFRS

Metric	2024-08-31
Average employees	200

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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (51 events)Click to expand

2025-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-30
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-05-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-02
📄
change-person-director-company-with-change-date
officers · CH01
2024-12-07
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2024-12-03
📄
gazette-notice-compulsory
gazette · GAZ1
2024-10-09
📄
change-person-director-company-with-change-date
officers · CH01
2024-10-09
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-09
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-09
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-09
📄
change-person-secretary-company-with-change-date
officers · CH03
2024-10-09
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-13
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-13
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-09-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-30
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-05-09
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-09
📄
change-person-secretary-company-with-change-date
officers · CH03
2024-05-09
📄
change-person-director-company-with-change-date
officers · CH01
2024-03-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-29
🔓
Charge satisfied #14
2024-03-29
🔓
Charge satisfied #11
2024-03-29
🔓
Charge satisfied #8
2021-12-10
🔒
Charge registered #14
Lender: The Mortgage Lender Limited
2021-09-07
🔓
Charge satisfied #10
2021-07-13
🔒
Charge registered #13
Lender: Aldermore Bank PLC
2021-07-12
🔓
Charge satisfied #1
2021-03-15
🔓
Charge satisfied #5
2021-03-01
➕
KINGHAM, Paul Nicholas appointed
secretary
2021-03-01
➕
KINGHAM, Paul Nicholas appointed
director
2020-12-09
🔓
Charge satisfied #4
2020-11-25
🔓
Charge satisfied #7
2020-11-25
🔓
Charge satisfied #3
2020-11-25
🔓
Charge satisfied #2
2020-11-20
🔒
Charge registered #12
Lender: Aldermore Bank PLC
2020-11-17
🔓
Charge satisfied #6
2020-11-12
🔒
Charge registered #11
Lender: Charter Court Financial Services Limited
2020-08-27
🔒
Charge registered #10
Lender: Rtj Properties LTD
2020-05-13
🔒
Charge registered #9
Lender: The Mortgage Lender Limited, 5TH Floor, 100 Victoria Street, Bristol BS1 6HZ
2020-05-13
🔒
Charge registered #8
Lender: The Mortgage Lender Limited, 5TH Floor, 100 Victoria Street, Bristol BS1 6HZ
2019-12-25
🔒
Charge registered #7
Lender: Together Commercial Finance Limited
2019-11-04
🔒
Charge registered #6
Lender: Hidden Gems Property Limited
2019-11-04
🔒
Charge registered #5
Lender: Ming Yin Tang
2019-11-04
🔒
Charge registered #4
Lender: Lai in Hong
2019-08-05
🔒
Charge registered #3
Lender: Together Commercial Finance Limited
2019-08-05
🔒
Charge registered #2
Lender: Together Commercial Finance Limited
2019-07-16
🔒
Charge registered #1
Lender: Charter Court Financial Services Limited
2017-03-30
🏢
Company incorporated
As KINGSMITH PROPERTY INVESTMENTS LTD

Showing most recent 50 of 51 events

Owner dependency

73/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder name in company name: Company name contains director surname "SMITH" — strong identity link between founder and business.

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.

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Paul Nicholas Kingham Individual · British · DOB 09/1970 · age 56	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	12/03/2021
Ms Mary Ann Smith Individual · British · DOB 11/1970 · age 56	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	30/03/2017

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
KEPPOCH PROPERTY HOLDINGS LTD→ SC688883 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
KIAORA PROPERTIES LTD→ SC629296 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
KID VENTURE LTD→ SC708181 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
KIDZ PROPERTY LTD→ SC783839 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
KILBARCHAN DEVELOPMENTS LIMITED→ SC666024 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
KILLERMONT PROPERTIES LIMITED→ SC260265 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
KILMICHAEL DELUXE COTTAGES LIMITED→ SC228022 · est 2002 · no financials extracted	—	—	—	—	24y	—	—
KINGDOMGB ESTATES LTD→ SC807676 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
KINGFISHER COMMERCIAL PROPERTY LTD→ SC787884 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
KINGFISHER EQUITIES LIMITED→ SC038883 · est 1963 · no financials extracted	—	—	—	—	62y	—	—
KINLOCH HOUSES LTD.→ SC261358 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
KINNEIL DEVELOPMENT COMPANY LIMITED→ SC122967 · est 1990 · no financials extracted	—	—	—	—	36y	—	—

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

Incorporated2017-03-30

Jurisdictionscotland

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

Registered office

Clockwise C/O Kingsmith Accountancy

77 Renfrew Street

Glasgow

G2 3BZ

Scotland

Filing status

Accounts

Next due: 2026-05-29

Last made up to: 2024-08-31

Confirmation statement

Next due: 2027-03-29

Last: 2026-03-15

Officers (3 active · 0 resigned)

KINGHAM, Paul Nicholas→

secretary · appointed 2021-03-01

View their other companies + combined net worth →

Active

KINGHAM, Paul Nicholas→

director · ~56y · appointed 2021-03-01

View their other companies + combined net worth →

Active

SMITH, Mary Ann→

director · ~56y · appointed 2017-03-30

View their other companies + combined net worth →

Active

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
satisfied	The Mortgage Lender The Mortgage Lender Limited	A registered charge	1 property	10/12/2021	29/03/2024
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	13/07/2021	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/11/2020	—
satisfied	Precise Mortgages Charter Court Financial Services Limited	A registered charge	1 property	12/11/2020	29/03/2024
satisfied	Rtj Properties Rtj Properties LTD	A registered charge	1 property	27/08/2020	07/09/2021
outstanding	The Mortgage Lender , 5TH Floor, 100 Victoria Street, Bristol BS1 6HZ The Mortgage Lender Limited, 5TH Floor, 100 Victoria Street, Bristol BS1 6HZ	A registered charge	1 property	13/05/2020	—
satisfied	The Mortgage Lender , 5TH Floor, 100 Victoria Street, Bristol BS1 6HZ The Mortgage Lender Limited, 5TH Floor, 100 Victoria Street, Bristol BS1 6HZ	A registered charge	1 property	13/05/2020	29/03/2024
satisfied	Together Money Together Commercial Finance Limited	A registered charge	1 property	25/12/2019	25/11/2020
satisfied	Hidden Gems Property Hidden Gems Property Limited	A registered charge	1 property	04/11/2019	17/11/2020
satisfied	Ming Yin Tang	A registered charge	1 property	04/11/2019	15/03/2021
satisfied	Lai in Hong	A registered charge	1 property	04/11/2019	09/12/2020
satisfied	Together Money Together Commercial Finance Limited	A registered charge	1 property	05/08/2019	25/11/2020
satisfied	Together Money Together Commercial Finance Limited	A registered charge	1 property	05/08/2019	25/11/2020
satisfied	Precise Mortgages Charter Court Financial Services Limited	A registered charge	1 property	16/07/2019	12/07/2021

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

Recent filings (76 total)

confirmation-statement-with-updates

confirmation-statement · CS01

2026-04-01

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-09-30

change-account-reference-date-company-previous-shortened

accounts · AA01

2025-05-30

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-05-30

confirmation-statement-with-updates

confirmation-statement · CS01

2025-04-02

change-person-director-company-with-change-date

officers · CH01

2025-04-02

gazette-filings-brought-up-to-date

gazette · DISS40

2024-12-07

gazette-notice-compulsory

gazette · GAZ1

2024-12-03

change-person-director-company-with-change-date

officers · CH01

2024-10-09

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2024-10-09

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2024-10-09

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2024-10-09

change-person-secretary-company-with-change-date

officers · CH03

2024-10-09

change-person-director-company-with-change-date

officers · CH01

2024-10-09

change-person-director-company-with-change-date

officers · CH01

2024-09-13