MURRAY PROPERTY HOLDINGS LTD
🏛️Establishedactive
SC616107 · ltd · incorporated 2018-12-13
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
£-86.8k
book net assets
Opportunity
66/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 66/100 (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. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
11 live charges · 6 lenders · oldest 5.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.7 years old — likely at or near maturity.
- · 6 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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
Network not yet resolved
30
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £86,754
Key financials
2 years extracted from filed iXBRL accountsCash
£7k
Net Worth
-£87k
↓ 103% YoY
Current Assets
£7k
↑ 211% YoY
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 |
|---|---|---|
| Total assets | £284.1k | £140.8k |
| Current assets | £7.4k | £2.4k |
| Cash | £7.1k | — |
| Debtors | £252 | — |
| Net assets | £-86.8k | £-42.8k |
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
1
filing
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
- 2026-01-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-23🔒Charge registered #11Lender: Bank of Scotland PLC, Birmingham Midshires Division Company No. SC327000
- 2025-09-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-29🔒Charge registered #10Lender: The Mortgage Works UK PLC
- 2025-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-26🔒Charge registered #9Lender: Paratus Amc Limited
- 2025-05-26🔒Charge registered #8Lender: Paratus Amc Limited
- 2024-10-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-24🔒Charge registered #7Lender: Shawbrook Bank Limited
- 2024-10-24🔒Charge registered #6Lender: Shawbrook Bank Limited
- 2024-10-24🔒Charge registered #5Lender: Shawbrook Bank Limited
- 2024-07-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-09🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2023-08-11📄mortgage-create-with-deedmortgage · MR01
- 2023-08-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-27🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2023-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-16➖MURRAY, Fraser Wilson Gilbert resigneddirector
- 2023-02-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-02-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-09-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-09🔒Charge registered #2Lender: Shawbrook Bank Limited
- 2021-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-09-14🔒Charge registered #1Lender: Charter Court Financial Services Limited, Trading as Precise Mortgages
- 2020-02-25➖DICKSON, Christopher James resigneddirector
- 2020-01-20➕MURRAY, Peter appointeddirector
- 2020-01-20➕MURRAY, Stephen appointeddirector
- 2019-10-21➖KANE, Paul James resigneddirector
- 2018-12-13🏢Company incorporatedAs MURRAY PROPERTY HOLDINGS LTD
- 2018-12-13➕DICKSON, Christopher James appointeddirector
- 2018-12-13➕KANE, Paul James appointeddirector
- 2018-12-13➕MURRAY, Fraser Wilson Gilbert appointeddirector
Owner dependency
81/100
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 "MURRAY" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 · 1 low4 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-23: A registered charge; 2025-09-29: A registered charge; 2025-05-26: A registered charge
11 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 Stephen Murray Individual · British · DOB 12/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/01/2020 |
Mr Peter Murray Individual · British · DOB 01/1977 · age 49 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/01/2020 |
3 historic (ceased) PSCs
- Mr Fraser Wilson Gilbert Murrayceased 16/02/2023· 25-50% shares · 25-50% voting
- Mr Christopher James Dicksonceased 30/01/2020· 25-50% shares · 25-50% voting
- Mr Paul James Kaneceased 01/10/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| PANTA PROPERTY SOLUTIONS LTD→ SC868620 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PARK SERVICES (SCOTLAND) LIMITED→ SC515138 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| PHBP INVESTMENTS LTD→ SC547543 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| POPPIE PROPERTY LIMITED→ SC777836 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| PORTFOLIO PROPERTY HOLDINGS LTD→ SC850852 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| POSH PROPERTIES (SCOTLAND) LTD→ SC777639 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| PRECISION PROPERTY MANAGEMENT LIMITED→ SC808094 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| PREMIUM HOMES LIMITED→ SC176075 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| PREMIUM RESORTS LIMITED→ SC264262 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| PRESTIGE PROPERTY INVESTMENT GROUP LTD→ SC797391 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| PRIME HOME LETTING LTD→ SC620530 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| PRIME PROPERTIES GLASGOW LTD→ SC854489 · 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
Incorporated2018-12-13
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
The Cooper Building
505 Great Western Road
Glasgow
G12 8HN
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-06-06
Last: 2025-05-23
Officers (2 active · 3 resigned)
MURRAY, Peter→
Activedirector · ~49y · appointed 2020-01-20
View their other companies + combined net worth →
MURRAY, Stephen→
Activedirector · ~53y · appointed 2020-01-20
View their other companies + combined net worth →
DICKSON, Christopher James→
Resigneddirector · ~45y · appointed 2018-12-13 · resigned 2020-02-25
KANE, Paul James→
Resigneddirector · ~45y · appointed 2018-12-13 · resigned 2019-10-21
MURRAY, Fraser Wilson Gilbert→
Resigneddirector · ~47y · appointed 2018-12-13 · resigned 2023-02-16
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
11
Outstanding
6
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC, Birmingham Midshires Division Company No. SC327000 | A registered charge | 1 property | 23/01/2026 | — | |
| outstanding | The Mortgage Works UK The Mortgage Works UK PLC | A registered charge | 1 property | 29/09/2025 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 26/05/2025 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 26/05/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 24/10/2024 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 24/10/2024 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 24/10/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 09/04/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 27/07/2023 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 09/08/2022 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited, Trading as Precise Mortgages | A registered charge | 2 properties | 14/09/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (43 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-28
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-10
mortgage-create-with-deed
mortgage · MR01
2023-08-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-29