MURPHY PROPERTIES (SCOTLAND) LTD.
- · Oldest live charge 8.4y old — refinance window within 12 months
Opportunity 69/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
6 live charges · oldest 8.4y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £549.0k | £557.4k |
| Current assets | £34.4k | £40.3k |
| Cash | £10.4k | £11.5k |
| Debtors | £24.0k | £28.9k |
| Net assets | £307.5k | £293.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 accounts
Corporate timeline (26 events)Click to expand
- 2025-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-10-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-20📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2019-01-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-01-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-01-24🔒Charge registered #6Lender: Bank of Scotland PLC
- 2019-01-24🔒Charge registered #5Lender: Bank of Scotland PLC
- 2018-10-29📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2018-05-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-05-14🔒Charge registered #4Lender: Bank of Scotland PLC
- 2018-04-30🔒Charge registered #3Lender: Bank of Scotland PLC
- 2018-02-01🔒Charge registered #2Lender: Bank of Scotland PLC
- 2018-01-11🔒Charge registered #1Lender: Bank of Scotland PLC
- 2017-10-06🏢Company incorporatedAs MURPHY PROPERTIES (SCOTLAND) LTD.
- 2017-10-06➕MURPHY, Leona appointeddirector
- 2017-10-06➕MURPHY, Steven appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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 "MURPHY" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Steven Murphy Individual · British · DOB 09/1975 · age 51 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/10/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 24/01/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 24/01/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 14/05/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 30/04/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 01/02/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 11/01/2018 | — |