BRIAR LODGE ESTATES LTD
🌿Early-stageactive
SC791911 · ltd · incorporated 2023-12-08
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 Dec 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
PursueProperty-backed borrower. Family succession underway — not a classic acquisition target.
Opportunity 71/100 (strong), bankability 52/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 11 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
8 live charges · 5 lenders · oldest 1.9y
0/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.9 years old — likely still in initial term.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (74/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
8 charges (8/8 with lender, 8/8 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
5 connected companies via shared directors
60
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
50
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 |
|---|---|
| Average employees | 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
3
filings
- • 3 mortgage
Last 180 days
5
filings
- • 4 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-03-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-25🔓Charge satisfied #3
- 2026-03-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-12🔒Charge registered #8Lender: Hayward Pensions Limited as Trustees
- 2026-02-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-20🔒Charge registered #7Lender: Hayward Pensions Limited
- 2026-01-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-10🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2025-08-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-18🔒Charge registered #5Lender: Hayward Pension Limited
- 2025-07-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-23🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2025-06-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-01🔒Charge registered #3Lender: Hayward Pensions Limited
- 2024-10-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-28🔒Charge registered #2Lender: Paragon Bank PLC
- 2024-06-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-29🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2023-12-08🏢Company incorporatedAs BRIAR LODGE ESTATES LTD
- 2023-12-08➕MCGINTY, David Peter appointeddirector
- 2023-12-08➕MCGINTY, Susan appointeddirector
- 2023-12-08📄incorporation-companyincorporation · NEWINC
Owner dependency
79/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 2.4 years old — management layer unlikely to be developed.
Red flags
1 med · 1 low5 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-12: A registered charge; 2026-01-20: A registered charge; 2026-01-10: A registered charge
7 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 David Peter Mcginty Individual · Scottish · DOB 10/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 08/12/2023 |
Mrs Susan Mcginty Individual · Scottish · DOB 09/1972 · age 54 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 08/12/2023 |
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.
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|---|---|---|---|---|---|---|---|
| B&S PROPERTIES (SCOTLAND) LTD→ SC794414 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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| BMA PROPERTIES (SCOTLAND) LTD→ SC647000 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BOATWYND LIMITED→ SC420432 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| BOMAB LIMITED→ SC830202 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BOYNDLIE ESTATES COMPANY LIMITED→ SC029109 · est 1952 · no financials extracted | — | — | — | — | 73y | — | — |
| BROCH PROPERTIES LTD→ SC773078 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BROLLACHAN INVESTMENTS LTD→ SC819017 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BRUCE BROTHERS PROPERTIES LIMITED→ SC763688 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BRUCE QUALITY HOMES LIMITED→ SC312645 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| BSL BATTERY STORAGE LTD→ SC869332 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2023-12-08
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
4 Westerton Place
Cults
Aberdeen
AB15 9NS
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-21
Last: 2025-12-07
Officers (2 active · 0 resigned)
MCGINTY, David Peter→
Activedirector · ~58y · appointed 2023-12-08
View their other companies + combined net worth →
MCGINTY, Susan→
Activedirector · ~54y · appointed 2023-12-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
7
Outstanding
5
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Hayward Pensions as Trustees / Susan Mcginty as Trustee / David Mcginty as Trustee / Hp Ssas Hayward Pensions Limited as Trustees / Susan Mcginty as Trustee / David Mcginty as Trustee / Hp Ssas | A registered charge | 1 property | 12/03/2026 | — | |
| outstanding | Hayward Pensions / Susan Mcginty / David Mcginty / Hp Ssas Hayward Pensions Limited / Susan Mcginty / David Mcginty / Hp Ssas | A registered charge | 1 property | 20/01/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 10/01/2026 | — | |
| outstanding | Hayward Pension / David Mcginty and Susan Mcginty as Trustees of Hp Ssas Hayward Pension Limited / David Mcginty and Susan Mcginty as Trustees of Hp Ssas | A registered charge | 1 property | 18/08/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 2 properties | 23/06/2025 | — | |
| satisfied | Hayward Pensions Hayward Pensions Limited | A registered charge | 1 property | 01/04/2025 | 25/03/2026 | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 2 properties | 28/10/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 29/05/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (13 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-03
incorporation-company
incorporation · NEWINC
2023-12-08