TOWN AND GOWN PROPERTY LIMITED

🌿Early-stageactive
SC775577 · ltd · incorporated 2023-07-12
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 Jul 2025
Net worth
£98.0k
book net assets
Opportunity
70/100
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
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 70/100 (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

4 live charges · oldest 2.3y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 2.3 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
15 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £98,028

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£98k
↑ 443% YoY
Current Assets
£106k
↓ 9.4% YoY
Current Liabilities
£0£23k£47k£70k£93k£117kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-07-312024-07-31
Total assets£4.32M£4.29M
Current assets£105.8k£116.8k
Net assets£98.0k£18.1k

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
1
filing
  • 1 accounts
Last 180 days
2
filings
  • 1 accounts
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-04-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-10-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-10-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-10-21
    🔓
    Charge satisfied #2
  6. 2024-10-21
    🔓
    Charge satisfied #1
  7. 2024-10-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2024-10-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2024-10-08
    🔒
    Charge registered #4
    Lender: Aldermore Bank PLC
  10. 2024-10-08
    🔒
    Charge registered #3
    Lender: Aldermore Bank PLC
  11. 2024-04-08
    GILLIES, Sophie Clare appointed
    director
  12. 2024-04-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2024-03-01
    📄
    withdrawal-of-the-persons-with-significant-control-register-information-from-the-public-register
    persons-with-significant-control · EW04
  14. 2024-03-01
    📄
    withdrawal-of-the-directors-register-information-from-the-public-register
    officers · EW01
  15. 2024-02-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2024-02-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2024-02-12
    🔒
    Charge registered #2
    Lender: Aldermore Bank PLC
  18. 2024-02-12
    🔒
    Charge registered #1
    Lender: Aldermore Bank PLC
  19. 2023-07-12
    🏢
    Company incorporated
    As TOWN AND GOWN PROPERTY LIMITED
  20. 2023-07-12
    GILLIES, Donald Andrew appointed
    director
  21. 2023-07-12
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

71/100
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.
  • +Young company: Only 2.9 years old — management layer unlikely to be developed.

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 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Fidra Investments Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Fidra Investments Limited
Corporate parent · holds 75-100% shares
ultimate parent
TOWN AND GOWN PROPERTY LIMITED
This company · SC775577

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

3 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Fidra Investments Limited
Corporate entity
75100%
75–100%75-100% shares · 75-100% voting · firm interest12/07/2023
Mrs Sophie Clare Gillies
Individual · British · DOB 07/1994 · age 32
2550%
25–50%25-50% shares · 25-50% voting12/07/2023
Mr Donald Andrew Gillies
Individual · British · DOB 05/1992 · age 34
2550%
25–50%25-50% shares · 25-50% voting12/07/2023

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
Incorporated2023-07-12
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Summit House
4 - 5 Mitchell Street
Edinburgh
EH6 7BD
United Kingdom

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-02-09
Last: 2026-01-26

Officers (2 active · 0 resigned)

GILLIES, Donald Andrew
director · ~34y · appointed 2023-07-12
View their other companies + combined net worth →
Active
GILLIES, Sophie Clare
director · ~32y · appointed 2024-04-08
View their other companies + combined net worth →
Active

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

Mortgages & charges

4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property08/10/2024
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property08/10/2024
satisfied
Aldermore
Aldermore Bank PLC
A registered charge1 property12/02/202421/10/2024
satisfied
Aldermore
Aldermore Bank PLC
A registered charge1 property12/02/202421/10/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (15 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-10
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-04
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-21
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-09
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-08
appoint-person-director-company-with-name-date
officers · AP01
2024-04-08
withdrawal-of-the-persons-with-significant-control-register-information-from-the-public-register
persons-with-significant-control · EW04
2024-03-01
withdrawal-of-the-directors-register-information-from-the-public-register
officers · EW01
2024-03-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-19
incorporation-company
incorporation · NEWINC
2023-07-12