COSGROVE PROPERTY SOLUTIONS LIMITED
🏛️Establishedactive
SC612465 · ltd · incorporated 2018-11-02
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 Nov 2024
Net worth
—
book net assets
Opportunity
70/100
Strong
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
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 70/100 (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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
10 live charges · 3 lenders · oldest 6.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 6.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | — | £262.3k |
| Current assets | — | £1.2k |
| Net assets | — | £65.6k |
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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
- 2025-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-22🔒Charge registered #10Lender: Aldermore Bank PLC
- 2024-11-22🔒Charge registered #9Lender: Aldermore Bank PLC
- 2024-11-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-15🔓Charge satisfied #6
- 2024-11-15🔓Charge satisfied #2
- 2024-11-15🔓Charge satisfied #1
- 2024-09-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-12🔒Charge registered #8Lender: Aldermore Bank PLC
- 2024-09-12🔒Charge registered #7Lender: Aldermore Bank PLC
- 2024-09-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-10🔓Charge satisfied #5
- 2024-09-10🔓Charge satisfied #4
- 2024-09-10🔓Charge satisfied #3
- 2024-02-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-14📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-11-11📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2023-10-31📄gazette-notice-compulsorygazette · GAZ1
- 2022-08-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-14🔒Charge registered #6Lender: Kenneth John Cosgrove and Kathleen Cosgrove as Trustees for the Cosgrove Ssas
- 2019-11-29🔒Charge registered #5Lender: Kenneth John Cosgrove
- 2019-09-28🔒Charge registered #4Lender: Kenneth John Cosgrove
- 2019-09-20🔒Charge registered #3Lender: Kenneth John Cosgrove
- 2019-09-17🔒Charge registered #2Lender: Kenneth John Cosgrove
- 2019-09-05🔒Charge registered #1Lender: Kenneth John Cosgrove
- 2018-11-02🏢Company incorporatedAs COSGROVE PROPERTY SOLUTIONS LIMITED
- 2018-11-02➕COSGROVE, Kathleen Ann appointeddirector
- 2018-11-02➕COSGROVE, Kenneth John appointeddirector
Owner dependency
86/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
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 "COSGROVE" — 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 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited 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
mediumMultiple 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 Kenneth John Cosgrove Individual · British · DOB 04/1973 · age 53 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/11/2018 |
Mrs Kathleen Ann Cosgrove Individual · British · DOB 07/1973 · age 53 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/11/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| C.T. ENGINEERING (SCOTLAND) LIMITED→ SC096134 · est 1985 · no financials extracted | — | — | — | — | 40y | — | — |
| CGT CAPITAL LIMITED→ SC784187 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHAP PROPERTIES LTD→ SC666252 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CHEPSTOW (HOLDINGS) LIMITED→ SC386345 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CLARAWARA INVESTMENTS LIMITED→ SC333658 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| COATBANK BUSINESS CENTRE LIMITED→ SC414227 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| COMFORT SPACES LTD→ SC825235 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CONDIEFIELD LIMITED→ SC811371 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CORBIN HOMES LTD→ SC776614 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CORBYN PROPERTY INVESTMENTS LTD→ SC641833 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| COSMOS PROPERTIES LIMITED→ SC309746 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| COTS CASTLE PARK HOMES LTD→ SC643308 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2018-11-02
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
32 Lochnagar Road
Motherwell
ML1 2PF
United Kingdom
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-15
Last: 2025-11-01
Officers (2 active · 0 resigned)
COSGROVE, Kathleen Ann→
Activedirector · ~53y · appointed 2018-11-02
View their other companies + combined net worth →
COSGROVE, Kenneth John→
Activedirector · ~53y · appointed 2018-11-02
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
4
Outstanding
1
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 22/11/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 22/11/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/09/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/09/2024 | — | |
| satisfied | Kenneth John Cosgrove and Kathleen Cosgrove as Trustees for the Cosgrove Ssas | A registered charge | 1 property | 14/08/2021 | 15/11/2024 | |
| satisfied | Kenneth John Cosgrove / Kathleen Ann Cosgrove | A registered charge | 1 property | 29/11/2019 | 10/09/2024 | |
| satisfied | Kenneth John Cosgrove / Kathleen Ann Cosgrove | A registered charge | 1 property | 28/09/2019 | 10/09/2024 | |
| satisfied | Kenneth John Cosgrove / Kathleen Ann Cosgrove | A registered charge | 1 property | 20/09/2019 | 10/09/2024 | |
| satisfied | Kenneth John Cosgrove / Kathleen Ann Cosgrove | A registered charge | 1 property | 17/09/2019 | 15/11/2024 | |
| satisfied | Kenneth John Cosgrove / Kathleen Ann Cosgrove | A registered charge | 1 property | 05/09/2019 | 15/11/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (33 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-06
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-27
mortgage-satisfy-charge-full
mortgage · MR04
2024-11-15
mortgage-satisfy-charge-full
mortgage · MR04
2024-11-15
mortgage-satisfy-charge-full
mortgage · MR04
2024-11-15
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-13
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-10
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-10
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-29