CHAP PROPERTIES LTD
🏛️Establishedactive
SC666252 · ltd · incorporated 2020-07-03
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 Jul 2025
Net worth
—
book net assets
Opportunity
69/100
Strong
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
- 68320Management of real estate on a fee or contract basis
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
5 live charges · 4 lenders · oldest 5.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.2 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | — | £280.5k |
| Current assets | — | £13.8k |
| Net assets | — | £10.5k |
| Average employees | 200 | — |
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 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-04-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-01➕SIM, Brian Kennedy appointeddirector
- 2022-05-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-09🔒Charge registered #5Lender: The Mortgage Lender Limited
- 2022-03-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-08🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2022-02-04🔒Charge registered #4Lender: The Mortgage Lender Limited
- 2021-09-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-09-08🔒Charge registered #2Lender: The Morgage Works (UK) PLC
- 2021-07-07📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2021-07-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-07-01➕SIM, Brian Kennedy appointedsecretary
- 2021-02-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-02-12🔒Charge registered #1Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2020-07-03🏢Company incorporatedAs CHAP PROPERTIES LTD
- 2020-07-03➕STRUTHERS, Lynne Ferguson appointeddirector
- 2020-07-03📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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 low5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Lynne Ferguson Struthers Individual · British · DOB 05/1981 · age 45 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/07/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| EAGLE INVESTMENT PROPERTY GROUP LIMITED→ SC648458 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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| ELEGANT LIVING PROPERTIES LTD→ SC809971 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ELITE INVESTMENTS LIMITED→ SC777856 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ELMHURST LIMITED→ SC181120 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| EMILY SHAKARJI LTD→ SC603211 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| EMPIRE PROPERTIES (SCOTLAND) LIMITED→ SC711186 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| EVOLVE PROPERTY LIMITED→ SC341634 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| EWART PROPERTIES LTD→ SC881628 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| EXCEL LETTING LIMITED→ SC395984 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| EXPRESS HOME SOLUTIONS LTD→ SC861864 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2020-07-03
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
2 Boyd Drive
Motherwell
ML1 3HX
Scotland
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-07-25
Last: 2025-07-11
Officers (3 active · 0 resigned)
SIM, Brian Kennedy→
Activesecretary · appointed 2021-07-01
View their other companies + combined net worth →
SIM, Brian Kennedy→
Activedirector · ~41y · appointed 2023-02-01
View their other companies + combined net worth →
STRUTHERS, Lynne Ferguson→
Activedirector · ~45y · appointed 2020-07-03
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
5
Outstanding
4
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 09/05/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 08/02/2022 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 04/02/2022 | — | |
| outstanding | The Morgage Works (UK) The Morgage Works (UK) PLC | A registered charge | 1 property | 08/09/2021 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 12/02/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (22 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-15
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-20
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-27
appoint-person-director-company-with-name-date
officers · AP01
2023-02-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-05-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-02-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-02-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-09-15