COWLEY PROPERTY LTD
🌿Early-stageactive
SC806576 · ltd · incorporated 2024-04-11
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
—
book net assets
Opportunity
67/100
Strong
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
- 68320Management of real estate on a fee or contract basis
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 67/100 (strong), bankability 60/100. 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
7 live charges · 2 lenders · oldest 1.5y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.5 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (75/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
7 charges (7/7 with lender, 7/7 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
8 connected companies via shared directors
69
Filing history
13 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.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 |
|---|---|
| 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
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-07-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-24📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-31🔒Charge registered #7Lender: Aldermore Bank PLC
- 2025-03-27🔒Charge registered #6Lender: Aldermore Bank PLC
- 2025-01-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-14🔒Charge registered #5Lender: Paragon Bank PLC
- 2025-01-14🔒Charge registered #4Lender: Paragon Bank PLC
- 2025-01-14🔒Charge registered #3Lender: Paragon Bank PLC
- 2025-01-14🔒Charge registered #2Lender: Paragon Bank PLC
- 2024-11-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-04🔒Charge registered #1Lender: Paragon Bank PLC
- 2024-04-11🏢Company incorporatedAs COWLEY PROPERTY LTD
- 2024-04-11➕COWLEY, Anthony appointeddirector
- 2024-04-11➕COWLEY, Fallon appointeddirector
- 2024-04-11📄incorporation-companyincorporation · NEWINC
Owner dependency
86/100
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 "COWLEY" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 2.1 years old — management layer unlikely to be developed.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Fallon Cowley Individual · British · DOB 02/1983 · age 43 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 11/04/2024 |
Mr Anthony Cowley Individual · British · DOB 09/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 11/04/2024 |
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 · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHAP PROPERTIES LTD→ SC666252 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CHEPSTOW (HOLDINGS) LIMITED→ SC386345 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CLARAWARA INVESTMENTS LIMITED→ SC333658 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| COATBANK BUSINESS CENTRE LIMITED→ SC414227 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| COMFORT SPACES LTD→ SC825235 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CONDIEFIELD LIMITED→ SC811371 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CORBIN HOMES LTD→ SC776614 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| COSMOS PROPERTIES LIMITED→ SC309746 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CRAMARAND PROPERTY LIMITED→ SC666360 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CREATIVE HEADSPACE LTD→ SC596797 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CS2 PROPERTY LTD→ SC670675 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CTM PROPERTIES LTD→ SC622634 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2024-04-11
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
21 Philip Murray Road
Bellshill
ML4 3FA
Scotland
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-06-26
Last: 2025-06-12
Officers (2 active · 0 resigned)
COWLEY, Anthony→
Activedirector · ~48y · appointed 2024-04-11
View their other companies + combined net worth →
COWLEY, Fallon→
Activedirector · ~43y · appointed 2024-04-11
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
2
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 31/03/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 27/03/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 14/01/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 14/01/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 14/01/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 14/01/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | — | 04/11/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (13 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-24
change-account-reference-date-company-current-extended
accounts · AA01
2025-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-25
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-12
incorporation-company
incorporation · NEWINC
2024-04-11