KINGFISHER PROPERTY (SCOTLAND) LIMITED
🏛️Establishedactive
SC616018 · ltd · incorporated 2018-12-12
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 Dec 2024
Net worth
—
book net assets
Opportunity
64/100
Worth a look
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Worth a lookProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 64/100 (worth a look), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
30 live charges · 4 lenders · oldest 6.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 6.9 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
30 charges (30/30 with lender, 30/30 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
55 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
66
Some moderate concerns — review 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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 200 | 400 |
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
0
filings
Last 90 days
3
filings
- • 3 mortgage
Last 180 days
4
filings
- • 3 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (65 events)Click to expand
- 2026-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-23🔒Charge registered #30Lender: Paragon Bank PLC
- 2026-02-23🔒Charge registered #29Lender: Paragon Bank PLC
- 2026-02-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-09🔒Charge registered #28Lender: Paragon Bank PLC
- 2025-09-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22🔒Charge registered #27Lender: Aldermore Bank PLC
- 2025-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-10🔒Charge registered #26Lender: Paragon Bank PLC
- 2025-01-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-20🔒Charge registered #25Lender: Aldermore Bank PLC
- 2024-10-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-30🔒Charge registered #24Lender: Paragon Bank PLC
- 2024-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-03🔒Charge registered #22Lender: Paragon Bank PLC
- 2024-09-02🔒Charge registered #23Lender: Paragon Bank PLC
- 2024-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-23🔒Charge registered #21Lender: The Mortgage Works (UK) PLC
- 2024-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-12🔒Charge registered #20Lender: Aldermore Bank PLC
- 2024-02-12🔒Charge registered #19Lender: Aldermore Bank PLC
- 2024-02-12🔒Charge registered #18Lender: Aldermore Bank PLC
- 2024-02-12🔒Charge registered #17Lender: Aldermore Bank PLC
- 2024-02-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-07🔓Charge satisfied #12
- 2024-02-07🔓Charge satisfied #11
- 2024-02-07🔓Charge satisfied #10
- 2024-02-07🔓Charge satisfied #2
- 2024-01-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-18🔒Charge registered #16Lender: Paragon Bank PLC
- 2024-01-18🔒Charge registered #15Lender: Paragon Bank PLC
- 2023-08-31➖COLLINS, Nicola Dawn resigneddirector
- 2023-08-31➖MCGOWAN, Sheonagh Catherine resigneddirector
- 2023-06-07🔓Charge satisfied #8
- 2023-04-19🔓Charge satisfied #1
- 2023-03-16🔒Charge registered #14Lender: The Mortgage Works (UK) PLC
- 2023-03-06🔒Charge registered #13Lender: Paragon Bank PLC
- 2022-04-06➕COLLINS, Nicola Dawn appointeddirector
- 2022-04-06➕MCGOWAN, Sheonagh Catherine appointeddirector
Showing most recent 50 of 65 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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
2 med · 1 low5 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-02-23: A registered charge; 2026-02-23: A registered charge; 2026-02-09: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
24 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alistair Aidan Mcgowan Individual · Scottish · DOB 05/1981 · age 45 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 12/12/2018 |
Mr Mark Bruce Individual · Scottish · DOB 03/1986 · age 40 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 12/12/2018 |
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 · DD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| KJN PROPERTYS LTD→ SC607909 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| KOP ESTATES LIMITED→ SC859785 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| KRATOS INVESTMENTS (UK) LIMITED→ SC539392 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| L.T.D. PROPERTIES LTD→ SC638974 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| LADBROOK PROPERTY INVESTMENTS LIMITED→ SC692464 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| LJR ENTERPRISES LTD→ SC803103 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| LL INVESTMENTS AND DEVELOPMENTS LTD→ SC811086 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| LOCHEND LEASE LIMITED→ SC345045 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| LOW HOLDINGS (SCOTLAND) LIMITED→ SC412906 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| LRMS HOLDINGS LTD→ SC842612 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| LS41 LTD→ SC760525 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| LSL DUNDEE LTD→ SC853251 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2018-12-12
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
7 Kingfisher Place
Kingennie
Dundee
DD5 3JZ
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-22
Last: 2026-01-08
Officers (2 active · 2 resigned)
Active
MCGOWAN, Alistair Aidan→
Activedirector · ~45y · appointed 2018-12-12
View their other companies + combined net worth →
COLLINS, Nicola Dawn→
Resigneddirector · ~38y · appointed 2022-04-06 · resigned 2023-08-31
MCGOWAN, Sheonagh Catherine→
Resigneddirector · ~47y · appointed 2022-04-06 · resigned 2023-08-31
Click a director name to see their full track record across all companies.
Mortgages & charges
30
Total charges
24
Outstanding
4
Active lenders
Status:Lender:30 of 30 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 2 properties | 23/02/2026 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 23/02/2026 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 09/02/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 22/09/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 10/06/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 2 properties | 20/01/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 30/09/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 03/09/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 02/09/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 23/05/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/02/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/02/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/02/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/02/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 18/01/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 18/01/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 6 properties | 16/03/2023 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 2 properties | 06/03/2023 | — | |
| satisfied | Paragon Paragon Bank PLC | A registered charge | 1 property | 06/11/2021 | 07/02/2024 | |
| satisfied | Paragon Paragon Bank PLC | A registered charge | 1 property | 06/11/2021 | 07/02/2024 | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 21/04/2021 | 07/02/2024 | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 25/02/2021 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 25/02/2021 | 07/06/2023 | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 28/01/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 20/01/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 30/10/2020 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 17/10/2020 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 03/02/2020 | — | |
| satisfied | Paragon Paragon Bank PLC | A registered charge | 1 property | 08/07/2019 | 07/02/2024 | |
| satisfied | Paragon Paragon Bank PLC / Paragon Mortgages (2010) Limited | A registered charge | — | 21/06/2019 | 19/04/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (55 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-19