MS PROPERTIES FIFE LIMITED
Opportunity 70/100 (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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
6 live charges · 3 lenders · oldest 8.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.1 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £765.2k | £777.2k |
| Current assets | £14.4k | £1.2k |
| Net assets | £522.7k | £521.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (30 events)Click to expand
- 2026-01-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-31🔓Charge satisfied #5
- 2025-08-31🔓Charge satisfied #4
- 2025-08-31🔓Charge satisfied #3
- 2025-08-31🔓Charge satisfied #2
- 2025-08-31🔓Charge satisfied #1
- 2024-10-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-18🔒Charge registered #6Lender: Paragon Bank PLC
- 2019-10-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-29🔒Charge registered #5Lender: Watershed (Scotland) Limited
- 2019-10-15🔒Charge registered #4Lender: Watershed (Scotland) Limited
- 2019-08-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-06-14📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2018-07-20🔒Charge registered #3Lender: Bank of Scotland PLC
- 2018-07-10🔒Charge registered #2Lender: Bank of Scotland PLC
- 2018-04-26🔒Charge registered #1Lender: Bank of Scotland PLC
- 2018-03-09🏢Company incorporatedAs MS PROPERTIES FIFE LIMITED
- 2018-03-09➕SALEEM, Usman appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Usman Saleem Individual · British · DOB 04/1987 · age 39 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 09/03/2018 |
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
Active · Property · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A J W PROPERTIES (SCOTLAND) LIMITED→ SC254914 · est 2003 | £631.0k £536.4k–£725.7k | — | £631.0k | — | 22y | 82 | 73y |
| BENTHEAD DEVELOPMENTS LIMITED→ SC123999 · est 1990 | £469.5k £399.1k–£539.9k | — | £469.5k | — | 36y | 82 | 65y |
| ABBEYFORT HOLIDAYS LIMITED→ SC301687 · est 2006 | £408.0k £346.8k–£469.2k | — | £408.0k | — | 20y | 83 | 61y |
| TAYLOR BROTHERS (PROPERTY DEVELOPMENT) LIMITED→ SC058985 · est 1975 | £314.3k £267.2k–£361.5k | — | £314.3k | — | 50y | 83 | 79y |
| BRAEFIELD LIMITED→ SC158886 · est 1995 | £276.5k £235.1k–£318.0k | — | £276.5k | — | 30y | 82 | 74y |
| MERLIN HOUSE LIMITED→ SC216220 · est 2001 | £40.5k £34.4k–£46.6k | — | £40.5k | — | 25y | 83 | 64y |
| ARDCRAIG DEVELOPMENTS LIMITED→ SC177712 · est 1997 | £8.2k £7.0k–£9.5k | — | £8.2k | — | 28y | 82 | 78y |
| STIRLING DEVELOPMENTS LIMITED→ SC200452 · est 1999 | — | — | — | 7 | 26y | 87 | 61y |
| BPR PROPERTIES LIMITED→ SC295430 · est 2006 | — | — | — | 0 | 20y | 83 | 65y |
| KKR LIMITED→ SC059312 · est 1976 | — | — | — | 400 | 50y | 83 | 89y |
| ALBION INVESTMENTS LIMITED→ SC182475 · est 1998 | — | — | — | 200 | 28y | 82 | 69y |
| CALORIDE LIMITED→ SC392459 · est 2011 | — | — | — | — | 15y | 82 | 63y |
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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 18/03/2020 | — | |
| satisfied | Watershed (Scotland) Watershed (Scotland) Limited | A registered charge | 1 property | 29/10/2019 | 31/08/2025 | |
| satisfied | Watershed (Scotland) Watershed (Scotland) Limited | A registered charge | — | 15/10/2019 | 31/08/2025 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 20/07/2018 | 31/08/2025 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 10/07/2018 | 31/08/2025 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 26/04/2018 | 31/08/2025 |