INVERUGLAS PROPERTY HOLDINGS LIMITED

🌿Early-stageactive
SC792329 · ltd · incorporated 2023-12-13
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 Mar 2025
Net worth
£-25.3k
book net assets
Opportunity
72/100
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
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 72/100 (strong), bankability 62/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 1.6y

0/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Newest facility, 1.6 years old — likely still in initial term.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (71/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
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
1 connected companies via shared directors
48
Filing history
8 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £25,344

Key financials

1 year extracted from filed iXBRL accounts
Cash
£11k
Net Worth
-£25k
Current Assets
£73k
Current Liabilities

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-31
Total assets£265.1k
Current assets£72.7k
Cash£10.6k
Debtors£62.1k
Net assets£-25.3k

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
3
filings
  • 1 confirmation-statement
  • 1 accounts
  • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
  1. 2025-12-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-12-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-11-26
    🔒
    Charge registered #3
    Lender: Paratus Amc Limited
  4. 2024-11-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2024-10-23
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  6. 2024-09-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2024-09-25
    🔒
    Charge registered #1
    Lender: The Mortgage Lender Limited
  8. 2024-06-12
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  9. 2023-12-13
    🏢
    Company incorporated
    As INVERUGLAS PROPERTY HOLDINGS LIMITED
  10. 2023-12-13
    INGLIS, Claire appointed
    director
  11. 2023-12-13
    INGLIS, Colin Robert appointed
    director
  12. 2023-12-13
    📄
    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 2.4 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Colin Robert Inglis
Individual · British · DOB 09/1975 · age 51
2550%
25–50%25-50% shares · 25-50% voting13/12/2023
Claire Inglis
Individual · British · DOB 04/1973 · age 53
2550%
25–50%25-50% shares · 25-50% voting13/12/2023

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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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
Incorporated2023-12-13
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Radleigh House 1 Golf Road
Clarkston
Glasgow
G76 7HU
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-26
Last: 2025-12-12

Officers (2 active · 0 resigned)

INGLIS, Claire
director · ~53y · appointed 2023-12-13
View their other companies + combined net worth →
Active
INGLIS, Colin Robert
director · ~51y · appointed 2023-12-13
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
3
Outstanding
3
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Paratus Amc
Paratus Amc Limited
A registered charge1 property26/11/2025
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property23/10/2024
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property25/09/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (8 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-27
change-account-reference-date-company-current-extended
accounts · AA01
2024-06-12
incorporation-company
incorporation · NEWINC
2023-12-13