DIAMOND PROPERTY DEVELOPMENTS - SPIRE VIEW LTD

🏛️Establishedactive
SC641561 · ltd · incorporated 2019-09-13
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 Sept 2024
Net worth
£173.0k
book net assets
Opportunity
70/100
Strong
🔔
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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
  • 77110Renting and leasing of cars and light motor vehicles
  • 77120Renting and leasing of trucks and other heavy vehicles
Investor take
Pursue
Strong 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. 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

7 live charges · 3 lenders · oldest 6.5y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 6.5 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — 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, 4 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
7 charges (7/7 with lender, 7/7 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
5 connected companies via shared directors
60
Filing history
23 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

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 →
Opportunity Score
70/100Strong
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £172,981
Net assets shrinking
Down £5,601 YoY
Cash YoY
+76%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3k
↑ 76% YoY
Net Worth
£173k
↓ 3.1% YoY
Current Assets
£224k
↑ 2.4% YoY
Current Liabilities
—
£0£45k£89k£134k£179k£224kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£201.2k£217.7k
Current assets£223.7k£218.6k
Cash£3.1k£1.7k
Debtors£220.6k£216.8k
Net assets£173.0k£178.6k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 2 confirmation-statement
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-01-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2025-12-25
    🔒
    Charge registered #7
    Lender: Paratus Amc Limited
  3. 2025-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-05-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-03-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2023-03-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2023-03-10
    🔒
    Charge registered #6
    Lender: Residential Loans LTD
  9. 2023-03-10
    🔒
    Charge registered #5
    Lender: Residential Loans LTD
  10. 2022-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-05-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2022-05-03
    🔓
    Charge satisfied #1
  13. 2022-04-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2022-04-28
    🔒
    Charge registered #4
    Lender: Lendinvest Btl Limited
  15. 2021-09-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2021-04-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2021-03-29
    🔒
    Charge registered #3
    Lender: Residential Loans LTD
  18. 2019-12-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2019-11-28
    🔒
    Charge registered #2
    Lender: Residential Loans LTD
  20. 2019-11-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2019-11-14
    🔒
    Charge registered #1
    Lender: Residential Loans LTD
  22. 2019-10-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  23. 2019-09-13
    🏢
    Company incorporated
    As DIAMOND PROPERTY DEVELOPMENTS - SPIRE VIEW LTD
  24. 2019-09-13
    ➕
    GIBSON, Paul John William appointed
    director
  25. 2019-09-13
    ➕
    SMART, Dean Joseph appointed
    director
  26. 2019-09-13
    📄
    incorporation-company
    incorporation · NEWINC

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 low
6 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 Dean Joseph Smart
Individual · British · DOB 02/1987 · age 39
25–50%
25–50%25-50% shares · 25-50% voting13/09/2019
Mr Paul John William Gibson
Individual · British · DOB 09/1987 · age 39
25–50%
25–50%25-50% shares · 25-50% voting13/09/2019

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

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 →
🔒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
Incorporated2019-09-13
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

First Floor, 5 Abercrombie Court Prospect Road
Arnhall Business Park
Westhill
AB32 6FE
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-04-08
Last: 2026-03-25

Officers (2 active · 0 resigned)

GIBSON, Paul John William→
director · ~39y · appointed 2019-09-13
View their other companies + combined net worth →
Active
SMART, Dean Joseph→
director · ~39y · appointed 2019-09-13
View their other companies + combined net worth →
Active

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

Mortgages & charges

7
Total charges
6
Outstanding
3
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Paratus Amc
Paratus Amc Limited
A registered charge1 property25/12/2025—
outstanding
Residential Loans
Residential Loans LTD
A registered charge1 property10/03/2023—
outstanding
Residential Loans
Residential Loans LTD
A registered charge1 property10/03/2023—
outstanding
LendInvest
Lendinvest Btl Limited
A registered charge1 property28/04/2022—
outstanding
Residential Loans
Residential Loans LTD
A registered charge2 properties29/03/2021—
outstanding
Residential Loans
Residential Loans LTD
A registered charge1 property28/11/2019—
satisfied
Residential Loans
Residential Loans LTD
A registered charge—14/11/201903/05/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (23 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-12
mortgage-satisfy-charge-full
mortgage · MR04
2022-05-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-04-29