BAILLIE PROPERTY INVESTMENTS LTD
🌿Early-stageactive
SC746454 · ltd · incorporated 2022-10-05
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£-21.5k
book net assets
Opportunity
62/100
Worth a look
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
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 62/100 (worth a look), 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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
12 live charges · 4 lenders · oldest 2.4y
0/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.4 years old — likely still in initial term.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)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
12 charges (12/12 with lender, 12/12 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
4 connected companies via shared directors
57
Filing history
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
62/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
50
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £21,451
Net assets shrinking
Down £22,936 YoY
Cash YoY
+133617%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£16k
↑ 133617% YoY
Net Worth
-£21k
↓ 1545% YoY
Current Assets
£23k
↑ 193467% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £-21.5k | £1.5k |
| Current assets | £23.2k | £12 |
| Cash | £16.0k | £12 |
| Debtors | £7.2k | — |
| Net assets | £-21.5k | £1.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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 (37 events)Click to expand
- 2025-10-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-09🔒Charge registered #12Lender: Shawbrook Bank Limited
- 2025-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-05🔒Charge registered #11Lender: Paratus Amc Limited
- 2025-01-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-17🔒Charge registered #10Lender: Together Commercial Finance Limited
- 2024-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-09🔒Charge registered #9Lender: Together Commercial Finance Limited
- 2024-10-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-11🔒Charge registered #8Lender: Together Commercial Finance Limited
- 2024-09-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-19🔓Charge satisfied #3
- 2024-09-19🔓Charge satisfied #1
- 2024-09-19🔓Charge satisfied #2
- 2024-08-09✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-05🔒Charge registered #7Lender: Lendinvest Btl Limited
- 2024-05-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-08🔒Charge registered #6Lender: Shawbrook Bank Limited
- 2024-04-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-12🔒Charge registered #5Lender: Paratus Amc Limited
- 2024-04-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-26🔒Charge registered #4Lender: Paratus Amc Limited
- 2023-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-22🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2023-12-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-21🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2023-12-20🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2022-10-05🏢Company incorporatedAs BAILLIE PROPERTY INVESTMENTS LTD
- 2022-10-05➕BAILLIE, Jonathan Scott appointeddirector
- 2022-10-05➕BAILLIE, Shaneen Lawrence appointeddirector
- 2022-10-05📄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 "BAILLIE" — 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
2 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Name changed recently
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-08-09: certificate-change-of-name-company
9 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jonathan Scott Baillie Individual · Scottish · DOB 01/1991 · age 35 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 05/10/2022 |
Mrs Shaneen Lawrence Baillie Individual · Scottish · DOB 05/1993 · age 33 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 05/10/2022 |
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BANDEATH HOLDINGS LIMITED→ SC584868 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BANNERMAN DEVELOPMENTS LIMITED→ SC080817 · est 1982 · no financials extracted | — | — | — | — | 43y | — | — |
| BELHAVEN DEVELOPMENTS LTD→ SC544489 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BELLIS REALTY LTD→ SC841383 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BENCHMARK LETTINGS LIMITED→ SC595971 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BENNIE FAMILY HOLDINGS LIMITED→ SC816168 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BERGMARK PROPERTIES LTD→ SC707944 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BERNISDALE HOMES LIMITED→ SC055252 · est 1974 · no financials extracted | — | — | — | — | 52y | — | — |
| BESPOKE PROPERTY DEVELOPMENTS LIMITED→ SC200930 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| BHASHINI PROPERTIES LIMITED→ SC679927 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BILLBOB CONSULTING LTD→ SC650880 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| BINGER FLAST LTD→ SC828393 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2022-10-05
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
161 Upper Craigour
Edinburgh
EH17 7SQ
Scotland
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-18
Last: 2025-10-04
Officers (2 active · 0 resigned)
BAILLIE, Jonathan Scott→
Activedirector · ~35y · appointed 2022-10-05
View their other companies + combined net worth →
BAILLIE, Shaneen Lawrence→
Activedirector · ~33y · appointed 2022-10-05
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
12
Total charges
9
Outstanding
4
Active lenders
Status:Lender:12 of 12 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 09/10/2025 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 05/02/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 17/01/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 09/12/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 11/10/2024 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 05/06/2024 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 08/05/2024 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 12/04/2024 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 26/03/2024 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 22/12/2023 | 19/09/2024 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 21/12/2023 | 19/09/2024 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | — | 20/12/2023 | 19/09/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (22 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-07
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-19
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-19
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-19
certificate-change-of-name-company
change-of-name · CERTNM
2024-08-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-10