AGL INVESTMENTS LIMITED
🌿Early-stageactive
SC750211 · ltd · incorporated 2022-11-14
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
—
not disclosed
Net worth
—
book net assets
Opportunity
67/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 67/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
7 live charges · oldest 1.6y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.6 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (57/100)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
No iXBRL financials extracted
0
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2025-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-04🔒Charge registered #7Lender: Handelsbanken PLC
- 2024-10-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-11🔒Charge registered #6Lender: Handelsbanken PLC
- 2024-10-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-27🔒Charge registered #5Lender: Handelsbanken PLC
- 2024-09-27🔒Charge registered #4Lender: Handelsbanken PLC
- 2024-09-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-11🔒Charge registered #3Lender: Handelsbanken PLC
- 2024-09-11🔒Charge registered #2Lender: Handelsbanken PLC
- 2024-09-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-02🔒Charge registered #1Lender: Handelsbanken PLC
- 2024-08-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-12📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-11-14🏢Company incorporatedAs AGL INVESTMENTS LIMITED
- 2022-11-14➕NEARY, Nicola Sarah appointedsecretary
- 2022-11-14➕CALDWELL, Raymond Gwylam appointeddirector
- 2022-11-14➕NEARY, Nicola Sarah appointeddirector
- 2022-11-14📄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
1 low7 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Raymond Gwylam Caldwell Individual · British · DOB 12/1971 · age 55 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 14/11/2022 |
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
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|---|---|---|---|---|---|---|---|
| A & J KHAIRA LTD→ SC813202 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A & J TAYLOR PROPERTY LIMITED→ SC494396 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AEP STORES LIMITED→ SC619462 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AFFIRM PROPERTY LIMITED→ SC792223 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AG PRIME PROPERTY LTD→ SC880995 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AG PROPERTY & INVESTMENTS LIMITED→ SC476760 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AH93 LTD→ SC828028 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AILSA LIFT TRUCK RENTALS LTD.→ SC354888 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| AINCROFT ENTERPRISES LTD→ SC841499 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AINE & TYCHE LTD→ SC776780 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AION INVESTMENTS LIMITED→ SC832322 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AIQ PROPERTY MANAGEMENT LIMITED→ SC835019 · est 2025 · 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
Incorporated2022-11-14
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
96 Waverley Street
Glasgow
G41 2DY
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-27
Last: 2025-11-13
Officers (3 active · 0 resigned)
NEARY, Nicola Sarah→
Activesecretary · appointed 2022-11-14
View their other companies + combined net worth →
CALDWELL, Raymond Gwylam→
Activedirector · ~55y · appointed 2022-11-14
View their other companies + combined net worth →
NEARY, Nicola Sarah→
Activedirector · ~53y · appointed 2022-11-14
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
7
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 04/04/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 11/10/2024 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 27/09/2024 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 27/09/2024 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 11/09/2024 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 11/09/2024 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | — | 02/09/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (14 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-14
change-account-reference-date-company-previous-extended
accounts · AA01
2024-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-20
incorporation-company
incorporation · NEWINC
2022-11-14