CUSTOM PROPERTY LTD
🏛️Establishedactive
SC646084 · 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 Nov 2024
Net worth
£-115.9k
book net assets
Opportunity
67/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
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: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
9 live charges · 3 lenders · oldest 1.9y
0/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 1.9 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)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
9 charges (9/9 with lender, 9/9 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
2 connected companies via shared directors
51
Filing history
31 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.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £115,927
Cash draining
Cash down 98% YoY
Cash YoY
-98%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£243
↓ 98% YoY
Net Worth
-£116k
↓ 142% YoY
Current Assets
£13k
↓ 9.7% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £-10.8k | £-33.0k |
| Current assets | £13.2k | £14.6k |
| Cash | £243 | £14.6k |
| Debtors | £13.0k | — |
| Net assets | £-115.9k | £-48.0k |
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
0
filings
Last 180 days
6
filings
- • 4 mortgage
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20🔓Charge satisfied #7
- 2026-01-20🔓Charge satisfied #6
- 2026-01-20🔓Charge satisfied #5
- 2025-11-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-11-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-11🔒Charge registered #9Lender: Kensington Mortgage Company Limited
- 2025-02-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-11🔒Charge registered #8Lender: Aldermore Bank PLC
- 2025-02-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-05🔓Charge satisfied #4
- 2024-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-13🔒Charge registered #7Lender: Together Commercial Finance Limited
- 2024-12-13🔒Charge registered #6Lender: Together Commercial Finance Limited
- 2024-12-13🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2024-08-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-07-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-30🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2024-07-30🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2024-07-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-26🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2024-06-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-19🔒Charge registered #1Lender: Aldermore Bank PLC
- 2024-06-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-10📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-10📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-11-04🏢Company incorporatedAs CUSTOM PROPERTY LTD
- 2019-11-04➕MOWER, Liana appointeddirector
- 2019-11-04➕MOWER, Michael Iain appointeddirector
Owner dependency
71/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +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
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 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 Michael Iain Mower Individual · British · DOB 08/1987 · age 39 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 04/11/2019 |
Mrs Liana Mower Individual · British · DOB 07/1987 · age 39 | 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 · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CUMBRAE ASSETS LTD→ SC779979 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| D & R CENTRAL PROPERTIES LTD→ SC844757 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DALM PROPERTIES LTD→ SC655506 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| DCHJ LIMITED→ SC788888 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DEPARTMENT P LTD→ SC696550 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| DGP HOLDINGS LTD→ SC626373 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DIAMOND ADMINISTRATION AND MANAGEMENT SERVICES LIMITED→ SC160711 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| DIS INVESTMENTS LIMITED→ SC228996 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| DJ&P CARRONSHORE LTD→ SC641151 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DOUBLE U PROPERTY INVESTMENTS LIMITED→ SC848872 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DUCK STORAGE LIMITED→ SC846499 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DUNAVERIG LTD.→ SC217921 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
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 SIC68100 — Buying and selling of own real estate
Registered office
1 Fountain Road
Bridge Of Allan
Stirling
FK9 4ET
Scotland
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-17
Last: 2025-11-03
Officers (2 active · 0 resigned)
MOWER, Liana→
Activedirector · ~39y · appointed 2019-11-04
View their other companies + combined net worth →
MOWER, Michael Iain→
Activedirector · ~39y · 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
9
Total charges
5
Outstanding
3
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 11/11/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 11/02/2025 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 13/12/2024 | 20/01/2026 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 13/12/2024 | 20/01/2026 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 13/12/2024 | 20/01/2026 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 30/07/2024 | 05/02/2025 | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 30/07/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 26/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 2 properties | 19/06/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (31 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-17
mortgage-satisfy-charge-full
mortgage · MR04
2025-02-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-31