GFS PROPERTIES SCOTLAND LTD

🏛️Establishedactive

SC579203 · ltd · incorporated 2017-10-18

Investment thesis

Property vehicle with a workable charge structure — clean refinance potential.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Dependent on title and valuation due diligence; standard property risks.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 8.1y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Oct 2024

Net worth

£24.4k

book net assets

Opportunity

73/100

Strong

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What this business does

Primary activity: Buying and selling of own real estate

Sector: Real estate

ALSO REGISTERED FOR

68209Other letting and operating of own or leased real estate
68320Management of real estate on a fee or contract basis

Investor take

Pursue

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

Opportunity 73/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

1 live charge · oldest 8.1y

85/100

ready

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

· Oldest live charge is 8.1 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.

Company profile

address, 3 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

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

Ownership & PSC

3 active PSC(s) of 3 total, 3 with control declared

Director network

2 connected companies via shared directors

Filing history

19 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

73/100Strong

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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £24,442

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£24k

↑ 284% YoY

Current Assets

£7k

↓ 46% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2024-10-31	2023-10-31
Total assets	£28.4k	£51.1k
Current assets	£6.8k	£12.6k
Net assets	£24.4k	£6.4k

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (15 events)Click to expand

2025-10-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-18
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2018-04-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2018-04-06
🔒
Charge registered #1
Lender: Charter Court Financial Services Limited
2017-10-18
🏢
Company incorporated
As GFS PROPERTIES SCOTLAND LTD
2017-10-18
➕
DAVIDSON, Fiona Helen appointed
director
2017-10-18
➕
DAVIDSON, Scott appointed
director
2017-10-18
➕
MCCRACKEN, Gillian appointed
director
2017-10-18
📄
incorporation-company
incorporation · NEWINC

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

30/100

Weak signal

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

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

Name	Shares	Voting rights	Nature of control	Notified
Mrs Gillian Mccracken Individual · British · DOB 02/1975 · age 51	25–50%	—	25-50% shares	18/10/2017
Mrs Fiona Helen Davidson Individual · British · DOB 07/1974 · age 52	—	—	sig. influencesignificant influence	18/10/2017
Mr Scott Davidson Individual · British · DOB 08/1974 · age 52	—	—	sig. influencesignificant influence	18/10/2017

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 · KA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
FREEPORT SCOTLAND LIMITED→ SC087372 · est 1984	£2.26M £1.92M–£2.60M	—	£2.26M	—	42y	83	65y
ROBB DONALD & CO. LIMITED→ SC109886 · est 1988	£1.67M £1.42M–£1.92M	—	£1.67M	—	38y	83	76y
DOONBANK INVESTMENTS LIMITED→ SC089875 · est 1984	£1.61M £1.37M–£1.85M	—	£1.61M	—	41y	83	69y
DS PROPERTY MANAGEMENT LIMITED→ SC372145 · est 2010	£234.1k £199.0k–£269.2k	—	£234.1k	—	16y	83	61y
MCG PROPERTIES LIMITED→ SC297086 · est 2006	£111.8k £95.0k–£128.6k	—	£111.8k	—	20y	83	71y
BARRA SHELL LIMITED→ SC293764 · est 2005	—	—	—	200	20y	83	60y
BLUEHOUSE SCOTLAND LTD.→ SC214253 · est 2000	—	—	—	0	25y	83	67y
CORUM (AYR) LIMITED→ SC287161 · est 2005	—	—	—	1600	20y	83	70y
DMVE TRUSTEE LIMITED→ SC043088 · est 1966	—	—	—	0	60y	83	60y
INVERGOWER ESTATES LIMITED→ SC211407 · est 2000 · no financials extracted	—	—	—	—	25y	83	66y
MILGAR HOMES LIMITED→ SC252617 · est 2003	—	—	—	—	22y	83	71y
THE WESTERN MEETING CLUB 2003 LIMITED→ SC241997 · est 2003	—	—	—	0	23y	83	79y

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 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

Incorporated2017-10-18

Jurisdictionscotland

Primary SIC68100 — Buying and selling of own real estate

Registered office

31 Burns Statue Square

Ayr

KA7 1SU

United Kingdom

Filing status

Accounts

Next due: 2026-07-30

Last made up to: 2024-10-31

Confirmation statement

Next due: 2026-11-11

Last: 2025-10-28

Officers (3 active · 0 resigned)

DAVIDSON, Fiona Helen→

director · ~52y · appointed 2017-10-18

View their other companies + combined net worth →

Active

DAVIDSON, Scott→

director · ~52y · appointed 2017-10-18

View their other companies + combined net worth →

Active

MCCRACKEN, Gillian→

director · ~51y · appointed 2017-10-18

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:1 of 1 shown

			Type	Properties
	outstanding	Precise Mortgages Charter Court Financial Services Limited	A registered charge	1 property	06/04/2018	—

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