FINE NEST PROPERTY LTD
🌿Early-stageactive
SC705457 · ltd · incorporated 2021-08-01
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 Aug 2025
Net worth
—
book net assets
Opportunity
67/100
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 67/100 (strong), bankability 52/100. 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
6 live charges · 3 lenders · oldest 4.5y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.5 years — mid-life; refi window approaching.
- · 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, 3 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 (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
18 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
50
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 · FRS 102| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Average employees | 200 | 200 |
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
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-22🔒Charge registered #6Lender: Paragon Bank PLC
- 2024-09-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-12🔒Charge registered #5Lender: Paragon Bank PLC
- 2024-08-20📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2024-04-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-12🔒Charge registered #4Lender: Charter Court Financial Services Trading as Precise Mortgages
- 2024-02-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-22🔒Charge registered #3Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2022-10-22🔒Charge registered #2Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2022-10-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-10-11🔒Charge registered #1Lender: Paragon Bank PLC
- 2021-08-12➕LI, Chunhui, Dr appointeddirector
- 2021-08-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-08-01🏢Company incorporatedAs FINE NEST PROPERTY LTD
- 2021-08-01➕GUAN, Guangying, Dr appointeddirector
- 2021-08-01📄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 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 |
|---|---|---|---|---|
Dr Guangying Guan Individual · Chinese · DOB 04/1984 · age 42 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/08/2021 |
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 · DD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DISCOVERY DWELLINGS LTD→ SC855000 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EARLY BIRDS PROPERTIES LTD→ SC780448 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| EAST OF SCOTLAND COLOUR PRINT LIMITED→ SC343575 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| EDM PROPERTY MANAGEMENT LTD→ SC752444 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ELABOR LIMITED→ SC555871 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| EXTEND ESTATES LIMITED→ SC212020 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| F&M PROPERTY (DUNDEE) LTD→ SC467979 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| FARINGTON HOUSE PROPERTIES LTD.→ SC231149 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| FARNELL ESTATES LIMITED→ SC309462 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| FASQUE CASTLE LIMITED→ SC569888 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| FIELDSTREAM LIMITED→ SC169444 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| FINE NEST PROPERTY MANAGEMENT LTD→ SC722248 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2021-08-01
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
7 Mcvicars Lane
Dundee
DD1 4LH
Scotland
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-12-29
Last: 2025-12-15
Officers (2 active · 0 resigned)
GUAN, Guangying, Dr→
Activedirector · ~42y · appointed 2021-08-01
View their other companies + combined net worth →
LI, Chunhui, Dr→
Activedirector · ~41y · appointed 2021-08-12
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
6
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 2 properties | 22/03/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 12/09/2024 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Trading as Precise Mortgages | A registered charge | 2 properties | 12/04/2024 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 22/10/2022 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 22/10/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 11/10/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (18 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-17
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2024-08-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-06
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-15