INVESTICO SCOTLAND LTD
🌿Early-stageactive
SC740092 · ltd · incorporated 2022-08-02
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
—
book net assets
Opportunity
71/100
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
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · oldest 0.8y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.8 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
11 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.
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 · accounting standard unknown| Metric | 2024-08-31 | 2023-08-31 |
|---|
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 mortgage
Last 90 days
1
filing
- • 1 mortgage
Last 180 days
1
filing
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2026-04-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-14🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2025-07-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-28🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2025-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-14➖KUSY, Jakub Mikolaj resigneddirector
- 2025-02-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-02📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-11-30➕KUSY, Jakub Mikolaj appointeddirector
- 2023-11-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-10-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-02🏢Company incorporatedAs INVESTICO SCOTLAND LTD
- 2022-08-02➕JUDYCKA, Sylwia Mariola appointeddirector
- 2022-08-02➕KUSY, Robert Bogdan appointeddirector
- 2022-08-02📄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 |
|---|---|---|---|---|
Ms Sylwia Mariola Judycka Individual · British · DOB 10/1976 · age 50 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/08/2022 |
Robert Bogdan Kusy Individual · British · DOB 08/1978 · age 48 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/08/2022 |
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 · PA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ELLA & LEWIS PROPERTIES LTD→ SC801222 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| GARELOCH VIEW LIMITED→ SC401711 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| GLASCHU LETS LTD→ SC838388 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GUNN GROUP LTD→ SC856853 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HARBOR PROPERTY (SCOTLAND) LIMITED→ SC491291 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| HILL DRYBURGH LIMITED→ SC808230 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HOMES FOR SAPIENS SUITES LTD→ SC884422 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| IHMV PROPERTY LIMITED→ SC680774 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| INVERGROVE LIMITED→ SC160333 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| J & M TAYLOR (HOLDINGS) LIMITED→ SC064489 · est 1978 · no financials extracted | — | — | — | — | 48y | — | — |
| JAMES CAIRN LTD→ SC686333 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| JES PROPERTIES LIMITED→ SC301016 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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
Incorporated2022-08-02
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
14e Wellington Street
Greenock
PA15 4QB
Scotland
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-08-15
Last: 2025-08-01
Officers (2 active · 1 resigned)
JUDYCKA, Sylwia Mariola→
Activedirector · ~50y · appointed 2022-08-02
View their other companies + combined net worth →
KUSY, Robert Bogdan→
Activedirector · ~48y · appointed 2022-08-02
View their other companies + combined net worth →
KUSY, Jakub Mikolaj→
Resigneddirector · ~21y · appointed 2023-11-30 · resigned 2025-02-14
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 14/04/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 28/06/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (11 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-31
termination-director-company-with-name-termination-date
officers · TM01
2025-02-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-02
accounts-with-accounts-type-dormant
accounts · AA
2024-05-02
appoint-person-director-company-with-name-date
officers · AP01
2023-11-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-07
incorporation-company
incorporation · NEWINC
2022-08-02