STONE PROPERTY (SCOTLAND) LTD
💤Zombieactive
SC681954 · ltd · incorporated 2020-11-25
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2025
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong 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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
6 live charges · 4 lenders · oldest 4.0y
5/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.0 years — mid-life; refi window approaching.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 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
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.
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 · FRS 102| Metric | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Total assets | — | £537.9k |
| Cash | — | £2.9k |
| Net assets | — | £44.9k |
| Average employees | 2 | — |
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 accounts
Last 180 days
6
filings
- • 2 confirmation-statement
- • 2 persons-with-significant-control
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-04-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-13➖LIVINGSTONE, Sarah Margaret resigneddirector
- 2026-01-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-29🔒Charge registered #6Lender: Lendinvest Btl Limited
- 2024-11-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-22🔒Charge registered #5Lender: Paratus Amc Limited
- 2024-09-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-13🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2024-05-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-01🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2023-04-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-07-07🔒Charge registered #2Lender: Kensington Mortgage Company Limited
- 2022-05-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-10🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2020-11-25🏢Company incorporatedAs STONE PROPERTY (SCOTLAND) LTD
- 2020-11-25➕LIVINGSTONE, Benjamin Mcmaster appointeddirector
- 2020-11-25➕LIVINGSTONE, Sarah Margaret appointeddirector
- 2020-11-25📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-25📄incorporation-companyincorporation · NEWINC
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 low6 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 |
|---|---|---|---|---|
Mr Benjamin Mcmaster Livingstone Individual · British · DOB 05/1983 · age 43 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/11/2020 |
1 historic (ceased) PSC
- Ms Sarah Margaret Livingstoneceased 13/01/2026· 25-50% shares · 25-50% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SR PROPERTIES AND INVESTMENTS LIMITED→ SC867772 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SSMCG LTD→ SC823523 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ST ANDREWS ESTATES (SCOTLAND) LIMITED→ SC271716 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| STAG PROPERTIES LTD.→ SC232325 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| STAR MANAGEMENT LTD→ SC725606 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| STATION HOUSE GLASGOW LTD→ SC210000 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| STAYSAGE LTD→ SC830302 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| STEYNE PROPERTY MANAGEMENT LTD→ SC705959 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| STG HOMES LTD→ SC796496 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| STIRLING PROPERTY SURVEY LTD→ SC847779 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| STONEFIELD ROOMS LTD→ SC611102 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| STORAGE WARZ LIMITED→ SC866171 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2020-11-25
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
6th Floor Gordon Chambers
90 Mitchell Street
Glasgow
G1 3NQ
Scotland
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2027-01-27
Last: 2026-01-13
Officers (1 active · 1 resigned)
LIVINGSTONE, Benjamin Mcmaster→
Activedirector · ~43y · appointed 2020-11-25
View their other companies + combined net worth →
LIVINGSTONE, Sarah Margaret→
Resigneddirector · ~66y · appointed 2020-11-25 · resigned 2026-01-13
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
6
Outstanding
4
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 29/04/2025 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 22/11/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 13/09/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 01/07/2023 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 07/07/2022 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 10/05/2022 | — |
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
2026-04-02
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-14
termination-director-company-with-name-termination-date
officers · TM01
2026-01-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-13
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-01-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-15
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-19