FNP PROPERTY LIMITED

🌿Early-stageactive
SC709376 · ltd · incorporated 2021-09-13
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.
Why now
Window steady · medium confidence
Mixed signals — 1 changes over 30 days, no clear direction yet.
  • · Filings: 16 → 17
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 4.5y old — refinance window within 12 months
What changed my view
Last 30 days

Picture improved over the last 30 days — 1 positive signal vs 0 negative.

  • ↑Filings: 16 → 17
Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£-5.6k
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 71/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 4.5y

60/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Charge age ~4.5 years — mid-life; refi window approaching.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (87/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
3 charges (3/3 with lender, 3/3 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
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Negative net assets
Liabilities exceed assets by £5,563

Key financials

3 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£6k
↑ 11% YoY
Current Assets
£12k
↑ 14% YoY
Current Liabilities
—
-£11k-£6k-£2k£3k£7k£12kSept 2023Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-09-302024-09-302023-09-30
Total assets£157.4k£154.2k£147.0k
Current assets£11.7k£10.2k£8.7k
Net assets£-5.6k£-6.3k£-10.8k

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
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 (19 events)Click to expand
  1. 2026-06-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-06-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-02-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2023-02-18
    🔒
    Charge registered #3
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  7. 2022-09-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2022-09-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2022-09-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2022-09-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2022-09-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2022-08-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2022-08-13
    🔒
    Charge registered #2
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  14. 2022-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2022-01-20
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  16. 2021-09-13
    🏢
    Company incorporated
    As FNP PROPERTY LIMITED
  17. 2021-09-13
    ➕
    CURTIS, Philippa Louise appointed
    director
  18. 2021-09-13
    ➕
    MCCLURG, Fred Philip appointed
    director
  19. 2021-09-13
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

58/100
Moderate — manageable with handover

Some 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 signal

Limited 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Miss Philippa Louise Curtis
Individual · British · DOB 11/1993 · age 33
25–50%
25–50%board control25-50% shares · 25-50% voting · board control13/09/2021
Mr Fred Philip Mcclurg
Individual · British · DOB 10/1972 · age 54
25–50%
25–50%board control25-50% shares · 25-50% voting · board control13/09/2021

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 →

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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
Incorporated2021-09-13
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

54 South Biggar Road
Airdrie
ML6 9PA
Scotland

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-26
Last: 2025-09-12

Officers (2 active · 0 resigned)

CURTIS, Philippa Louise→
director · ~33y · appointed 2021-09-13
View their other companies + combined net worth →
Active
MCCLURG, Fred Philip→
director · ~54y · appointed 2021-09-13
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property18/02/2023—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge3 properties13/08/2022—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property20/01/2022—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (17 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-09
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-30
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-22
change-person-director-company-with-change-date
officers · CH01
2022-09-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-16
change-person-director-company-with-change-date
officers · CH01
2022-09-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-26