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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£-6.3k
book net assets
Opportunity
71/100
Strong
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 4.3y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~4.3 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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
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
16 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 £6,259
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£6k
↑ 42% YoY
Current Assets
£10k
↑ 17% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Total assets | £154.2k | £147.0k |
| Current assets | £10.2k | £8.7k |
| Net assets | £-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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-06-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-18🔒Charge registered #3Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2022-09-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-22📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-16📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-13🔒Charge registered #2Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2022-01-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-01-20🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2021-09-13🏢Company incorporatedAs FNP PROPERTY LIMITED
- 2021-09-13➕CURTIS, Philippa Louise appointeddirector
- 2021-09-13➕MCCLURG, Fred Philip appointeddirector
- 2021-09-13📄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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Philippa Louise Curtis Individual · British · DOB 11/1993 · age 33 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 13/09/2021 |
Mr Fred Philip Mcclurg Individual · British · DOB 10/1972 · age 54 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 13/09/2021 |
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 →Similar companies
Active · Property · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| GBS LETS LTD→ SC444758 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| GEORGIA PROPERTIES LIMITED→ SC807883 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| GERARD MCGLADE LIMITED→ SC256642 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| GETLET LETTINGS LIMITED→ SC878508 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| GFS DEVELOPMENTS LTD.→ SC395388 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| GFS LAND LTD.→ SC395391 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| GHULAM NABI PROPERTIES LTD→ SC572742 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| GIBSONCORP LTD→ SC853131 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GILFILLAN PROPERTY SERVICES LTD→ SC477127 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| GILLANI PROPERTY LTD→ SC878473 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| GLENALA EDUCATION LTD→ SC383854 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| GLENBURN PROPERTY LTD→ SC599276 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-26
Last: 2025-09-12
Officers (2 active · 0 resigned)
CURTIS, Philippa Louise→
Activedirector · ~33y · appointed 2021-09-13
View their other companies + combined net worth →
MCCLURG, Fred Philip→
Activedirector · ~54y · appointed 2021-09-13
View their other companies + combined net worth →
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 18/02/2023 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 3 properties | 13/08/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 20/01/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (16 total)
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
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-01-31