FORD PROPERTIES (FIFE) LTD
🌿Early-stageactive
SC741775 · ltd · incorporated 2022-08-18
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 3.4y old — refinance window within 12 months
🔒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: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
3 live charges · oldest 3.4y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.4 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
Network not yet resolved
30
Filing history
13 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 · FRS 102| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Average employees | 200 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (15 events)Click to expand
- 2025-08-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-05🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2025-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-08-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-15🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2022-11-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-21🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2022-09-09📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-18🏢Company incorporatedAs FORD PROPERTIES (FIFE) LTD
- 2022-08-18➕FORD, Nicholas appointeddirector
- 2022-08-18➕FORD, Stacy Louise appointeddirector
- 2022-08-18📄incorporation-companyincorporation · NEWINC
Owner dependency
81/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "FORD" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 |
|---|---|---|---|---|
Nicholas Ford Individual · British · DOB 05/1990 · age 36 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 18/08/2022 |
Stacy Louise Ford Individual · British · DOB 07/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 18/08/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| LECALE HOLDINGS LTD→ SC797992 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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| LINROD PROPERTIES LTD→ SC729078 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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| LUCAM HOLDINGS LIMITED→ SC687825 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| MACPHERSON PROPERTY RENOVATIONS LIMITED→ SC844487 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MALTPROP LIMITED→ SC842584 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MARSHALL PROPERTY HOLDINGS LIMITED→ SC562115 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| MARTI PROPERTY LTD→ SC843934 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MAVE HOLDINGS LTD→ SC706064 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| MAXBENTLEY LIMITED→ SC593399 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2022-08-18
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
46 Glebe Place
Burntisland
KY3 0ES
Scotland
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-10-28
Last: 2025-10-14
Officers (2 active · 0 resigned)
FORD, Nicholas→
Activedirector · ~36y · appointed 2022-08-18
View their other companies + combined net worth →
FORD, Stacy Louise→
Activedirector · ~38y · appointed 2022-08-18
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
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 05/08/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 15/08/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 21/11/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (13 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-22
change-person-director-company-with-change-date
officers · CH01
2022-09-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-09
incorporation-company
incorporation · NEWINC
2022-08-18