GAZNAN ENTERPRISES LIMITED
🏛️Establishedactive
SC646046 · ltd · incorporated 2019-11-04
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 Mar 2025
Net worth
£122.8k
book net assets
Opportunity
65/100
Strong
What this business does
Primary activity: Management of real estate on a fee or contract basis
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 65/100 (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. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
17 live charges · 7 lenders · oldest 6.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 6.3 years old — likely at or near maturity.
- · 7 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
17 charges (17/17 with lender, 17/17 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
34 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
65/100Strong
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
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £122,811
Net assets shrinking
Down £2,862 YoY
Cash YoY
+1%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£4k
↑ 1.0% YoY
Net Worth
£123k
↓ 2.3% YoY
Current Assets
£4k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £588.8k | £585.8k |
| Current assets | £4.1k | £4.0k |
| Cash | £3.7k | £3.6k |
| Debtors | £425 | £425 |
| Net assets | £122.8k | £125.7k |
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
5
filings
- • 4 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
- 2025-12-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-19🔒Charge registered #17Lender: Godiva Mortgages Limited
- 2025-12-19🔒Charge registered #16Lender: Godiva Mortgages Limited
- 2025-12-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-17🔓Charge satisfied #7
- 2025-12-17🔓Charge satisfied #6
- 2025-10-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-03🔒Charge registered #15Lender: Godiva Mortgages Limited
- 2025-10-03🔒Charge registered #14Lender: Godiva Mortgages Limited
- 2025-10-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-01🔓Charge satisfied #5
- 2025-10-01🔓Charge satisfied #4
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-09-14🔓Charge satisfied #9
- 2023-08-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-23🔒Charge registered #13Lender: The Mortgage Works (UK) PLC
- 2022-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-27📄mortgage-create-with-deed-with-charles-court-order-extend-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-11🔒Charge registered #11Lender: The Mortgage Lender Limited
- 2022-01-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-01-11🔒Charge registered #10Lender: Paragon Bank PLC
- 2021-11-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-11🔒Charge registered #12Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2021-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-30🔒Charge registered #9Lender: Aldermore Bank PLC
- 2021-05-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-21🔒Charge registered #8Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2020-12-18🔒Charge registered #7Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2020-12-16🔒Charge registered #6Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2020-10-02🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2020-09-17🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2020-08-21🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2019-12-28🔒Charge registered #2Lender: Charter Court Financial Services Limited
- 2019-12-28🔒Charge registered #1Lender: Charter Court Financial Services Limited
- 2019-11-04🏢Company incorporatedAs GAZNAN ENTERPRISES LIMITED
- 2019-11-04➕MEEK, Gary appointeddirector
- 2019-11-04➕MURRAY, Nicola Shona appointeddirector
Owner dependency
63/100
High — earn-out structure requiredMaterial 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 6 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
2 med · 1 low4 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-12-19: A registered charge; 2025-12-19: A registered charge; 2025-10-03: 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.
12 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 |
|---|---|---|---|---|
Ms Nicola Shona Murray Individual · British · DOB 08/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 04/11/2019 |
Mr Gary Meek Individual · British · DOB 08/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 04/11/2019 |
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 →Similar companies
Active · Property · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FORT PROPERTY LTD→ SC552065 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| FPA HOUSING LTD→ SC766607 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| GLOW HOMES AYRSHIRE ESTATE AGENTS LTD→ SC671515 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GRAY FAMILY INVESTMENTS LIMITED→ SC572711 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| GREENLEAF PROP CO LIMITED→ SC611005 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| GRO COFFEE BARS LIMITED→ SC845594 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| H&K HOTELS GROUP LIMITED→ SC737312 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| HALF FULL DEVELOPMENTS LTD.→ SC270066 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| HEAD IN THE SKYE LTD→ SC672264 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| HENBURN PROPERTY LIMITED→ SC633912 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| HERA HOMES SCOTLAND LTD→ SC706645 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HERITAGE PROPERTY GROUP (AYR) LTD→ SC851943 · 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
Incorporated2019-11-04
Jurisdictionscotland
Primary SIC68320 — Management of real estate on a fee or contract basis
Registered office
45 Rowallan Drive
Kilmarnock
KA3 1TU
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-17
Last: 2025-11-03
Officers (2 active · 0 resigned)
Active
MURRAY, Nicola Shona→
Activedirector · ~51y · appointed 2019-11-04
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
17
Total charges
12
Outstanding
5
Active lenders
Status:Lender:17 of 17 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 19/12/2025 | — | |
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 19/12/2025 | — | |
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 2 properties | 03/10/2025 | — | |
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 03/10/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 23/08/2023 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 11/03/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 11/01/2022 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 11/08/2021 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 30/07/2021 | 14/09/2023 | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 21/05/2021 | — | |
| satisfied | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 18/12/2020 | 17/12/2025 | |
| satisfied | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 16/12/2020 | 17/12/2025 | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 02/10/2020 | 01/10/2025 | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 17/09/2020 | 01/10/2025 | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 21/08/2020 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 28/12/2019 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 28/12/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (34 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-22
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-17
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-16
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-01
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-03
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-14