SMURRANLEY INVESTMENTS LTD

🌿Early-stageactive
SC713971 · ltd · incorporated 2021-11-03
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days

No material changes in the last 30 days.

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 Mar 2025
Net worth
—
book net assets
Opportunity
68/100
Strong
🔔
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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
Investor take
Pursue
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 68/100 (strong), bankability 52/100. 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. 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

10 live charges · 3 lenders · oldest 4.4y

25/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Charge age ~4.4 years — mid-life; refi window approaching.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
50
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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees00

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 (36 events)Click to expand
  1. 2025-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-11-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-11-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-11-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2024-12-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2024-12-05
    🔒
    Charge registered #10
    Lender: The Mortgage Works (UK) PLC
  7. 2024-09-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2024-09-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2024-08-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2024-05-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2024-04-26
    🔒
    Charge registered #9
    Lender: The Mortgage Works (UK) PLC
  12. 2024-02-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2024-02-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2024-02-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2024-02-19
    🔒
    Charge registered #8
    Lender: The Mortgage Works (UK) PLC
  16. 2024-02-19
    🔒
    Charge registered #7
    Lender: The Mortgage Works (UK) PLC
  17. 2024-02-19
    🔒
    Charge registered #6
    Lender: The Mortgage Works (UK) PLC
  18. 2023-12-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2023-12-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  20. 2023-12-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2023-12-05
    🔒
    Charge registered #5
    Lender: Charter Court Financial Services Limited
  22. 2023-12-04
    ➕
    CURRAN, Jennifer Louise appointed
    director
  23. 2023-12-04
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  24. 2023-12-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  25. 2023-12-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  26. 2023-11-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  27. 2023-10-24
    🔒
    Charge registered #4
    Lender: The Mortgage Works (UK) PLC
  28. 2023-09-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  29. 2023-04-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  30. 2022-12-15
    ➖
    CURRAN, Margaret Ann resigned
    director
  31. 2022-10-24
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  32. 2022-01-26
    🔒
    Charge registered #2
    Lender: The Mortgage Lender Limited
  33. 2022-01-26
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  34. 2021-11-03
    🏢
    Company incorporated
    As SMURRANLEY INVESTMENTS LTD
  35. 2021-11-03
    ➕
    CURRAN, Gavin appointed
    director
  36. 2021-11-03
    ➕
    CURRAN, Margaret Ann appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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

1 low
10 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Jennifer Louise Curran
Individual · British · DOB 11/1981 · age 45
25–50%
25–50%board control25-50% shares · 25-50% voting · board control04/12/2023
Mr Gavin Curran
Individual · British · DOB 03/1980 · age 46
25–50%
25–50%board control25-50% shares · 25-50% voting · board control03/11/2021
1 historic (ceased) PSC
  • Mrs Margaret Ann Curranceased 15/12/2022· 25-50% shares · 25-50% voting

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
Incorporated2021-11-03
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

2 Marshall Place
Perth
PH2 8AH
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04

Officers (2 active · 1 resigned)

CURRAN, Gavin→
director · ~46y · appointed 2021-11-03
View their other companies + combined net worth →
Active
CURRAN, Jennifer Louise→
director · ~45y · appointed 2023-12-04
View their other companies + combined net worth →
Active
CURRAN, Margaret Ann→
director · ~52y · appointed 2021-11-03 · resigned 2022-12-15
Resigned

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

Mortgages & charges

10
Total charges
10
Outstanding
3
Active lenders
Status:Lender:10 of 10 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property05/12/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property26/04/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property19/02/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property19/02/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property19/02/2024—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge2 properties05/12/2023—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property24/10/2023—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property24/10/2022—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property26/01/2022—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property26/01/2022—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (39 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-17
change-person-director-company-with-change-date
officers · CH01
2025-11-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-04
change-person-director-company-with-change-date
officers · CH01
2024-09-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-26