TALAMANCA LIMITED

🏛️Establishedactive
SC629953 · ltd · incorporated 2019-05-09
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 6.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2025
Net worth
—
book net assets
Opportunity
67/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 67/100 (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. 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

10 live charges · 2 lenders · oldest 6.2y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 6.2 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · 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
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
3 connected companies via shared directors
54
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
55
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£468k£936k£1.4m£1.9m£2.3mOct 2024Oct 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-10-312024-10-31
Total assets—£5.17M
Current assets—£197.6k
Cash—£35.1k
Debtors—£162.5k
Net assets—£2.34M
Average employees2—

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
1
filing
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2026-03-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2025-07-07
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2025-07-07
    🔓
    Charge satisfied #10
  5. 2025-03-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2025-03-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2025-03-14
    🔒
    Charge registered #9
    Lender: Bank of Scotland PLC
  8. 2025-03-06
    🔒
    Charge registered #10
    Lender: Bank of Scotland PLC
  9. 2024-07-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-12-28
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2023-12-27
    🔒
    Charge registered #8
    Lender: Bank of Scotland PLC
  12. 2023-07-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2023-07-04
    🔒
    Charge registered #7
    Lender: Bank of Scotland PLC
  14. 2023-06-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2022-08-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2022-08-09
    🔒
    Charge registered #6
    Lender: Bank of Scotland PLC
  17. 2022-05-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2022-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2022-01-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2022-01-17
    🔓
    Charge satisfied #1
  21. 2021-09-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2021-09-02
    🔒
    Charge registered #5
    Lender: Bank of Scotland PLC
  23. 2021-04-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  24. 2021-04-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  25. 2021-04-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  26. 2021-03-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  27. 2020-11-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  28. 2020-10-09
    🔒
    Charge registered #3
    Lender: Bank of Scotland PLC
  29. 2020-10-05
    🔒
    Charge registered #4
    Lender: Bank of Scotland PLC
  30. 2020-09-30
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  31. 2020-03-03
    🔒
    Charge registered #1
    Lender: Simon David Macmyn Brown, Partner of and Trustee for the Firm of a & E Brown and Sons, Having Their Place of Business at Moatwell, 2 High Street, Kirkcudbright DG6 4JX
  32. 2020-02-25
    ➕
    CROY, Thomas David appointed
    director
  33. 2019-05-09
    🏢
    Company incorporated
    As TALAMANCA LIMITED
  34. 2019-05-09
    ➕
    BROWN, Thomas Andrew appointed
    director

Owner dependency

63/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +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 signal

Limited 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 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

8 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Thomas Andrew Brown
Individual · British · DOB 05/1991 · age 35
25–50%
25–50%board control25-50% shares · 25-50% voting · board control09/05/2019
Thomas Croy
Individual · British · DOB 10/1991 · age 35
25–50%
25–50%board control25-50% shares · 25-50% voting · board control09/05/2019

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 →

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———————
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
Incorporated2019-05-09
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Unit 1a, Brock House Dunnet Way
East Mains Industrial Estate
Broxburn
EH52 5NN
Scotland

Filing status

Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2027-05-22
Last: 2026-05-08

Officers (2 active · 0 resigned)

BROWN, Thomas Andrew→
director · ~35y · appointed 2019-05-09
View their other companies + combined net worth →
Active
CROY, Thomas David→
director · ~35y · appointed 2020-02-25
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

10
Total charges
8
Outstanding
1
Active lenders
Status:Lender:10 of 10 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property14/03/2025—
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—06/03/202507/07/2025
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property27/12/2023—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property04/07/2023—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties09/08/2022—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property02/09/2021—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property09/10/2020—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—05/10/2020—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—30/09/2020—
satisfied
Simon David Macmyn Brown, Partner of and Trustee for the Firm of a & E Brown and Sons, Having Their Place of Business at Moatwell, 2 High Street, Kirkcudbright DG6 4JX / Lindsey Jane Brown, Partner of and Trustee for the Firm of a & E Brown and Sons, Having Their Place of Business at Moatwell, 2 High Street, Kirkcudbright, DG6 4JX
A registered charge1 property03/03/202017/01/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (33 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-31