PLAYFAIR PROPERTY GROUP LTD
🌱Startupactive
SC811098 · ltd · incorporated 2024-05-21
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 May 2025
Net worth
£-57.1k
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 69/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 1.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.7 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (73/100)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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
13 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
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)Negative net assets
Liabilities exceed assets by £57,140
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
-£57k
Current Assets
£1k
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-05-31 |
|---|---|
| Total assets | £156.8k |
| Current assets | £1.3k |
| Net assets | £-57.1k |
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
0
filings
Last 180 days
5
filings
- • 4 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-02-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-01-13📄mortgage-charge-whole-cease-and-release-with-charge-numbermortgage · MR05
- 2026-01-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-13🔓Charge satisfied #2
- 2025-11-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-21🔒Charge registered #3Lender: Lendinvest Security Trustees Limited
- 2025-11-20🔒Charge registered #4Lender: Lendinvest Security Trustees Limited
- 2025-07-11➖JARVIE, Jane Haldane Meek resigneddirector
- 2025-07-11➖JARVIE, William Martin resigneddirector
- 2025-07-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-10🔒Charge registered #2Lender: Romaco Spv 2 Limited
- 2024-08-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-21🔒Charge registered #1Lender: Romaco Spv 2 Limited
- 2024-07-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-28➕JARVIE, Jane Haldane Meek appointeddirector
- 2024-07-28➕JARVIE, William Martin appointeddirector
- 2024-05-21🏢Company incorporatedAs PLAYFAIR PROPERTY GROUP LTD
- 2024-05-21➕PLAYFAIR, Jenna Morrison appointeddirector
- 2024-05-21➕PLAYFAIR, Lewis Colin appointeddirector
- 2024-05-21📄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 "PLAYFAIR" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 2.0 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 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: JARVIE, Jane Haldane Meek resigned 2025-07-11; JARVIE, William Martin resigned 2025-07-11
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Jenna Morrison Playfair Individual · British · DOB 03/1991 · age 35 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 21/05/2024 |
Mr Lewis Colin Playfair Individual · British · DOB 04/1986 · age 40 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 21/05/2024 |
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| TULLYBEAGLES LIMITED→ SC352935 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| TWENTY TWO HOLDINGS LIMITED→ SC587584 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| W PROPERTY HOLDINGS LTD→ SC821333 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| WATERBOARD PROPERTY LTD→ SC747419 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| WATERLOO COMMERCIAL LTD→ SC830006 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| WEEHI PROPERTIES LIMITED→ SC722230 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| WELCOME NEST LTD→ SC857985 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| WEST TOWN LIMITED→ SC340005 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| WFW PROPERTY LIMITED→ SC853453 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| WIDIT PROPERTIES LTD→ SC847843 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| WIGHTMAN LETTINGS LTD→ SC818153 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| WILSON PROPERTY INVESTMENTS (SCOTLAND) LTD→ SC573021 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2024-05-21
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Church Cottage
Ford
Pathhead
EH37 5RE
Scotland
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-03
Last: 2025-05-20
Officers (2 active · 2 resigned)
PLAYFAIR, Jenna Morrison→
Activedirector · ~35y · appointed 2024-05-21
View their other companies + combined net worth →
PLAYFAIR, Lewis Colin→
Activedirector · ~40y · appointed 2024-05-21
View their other companies + combined net worth →
JARVIE, Jane Haldane Meek→
Resigneddirector · ~65y · appointed 2024-07-28 · resigned 2025-07-11
JARVIE, William Martin→
Resigneddirector · ~73y · appointed 2024-07-28 · resigned 2025-07-11
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
3
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | LendInvest Lendinvest Security Trustees Limited | A registered charge | 1 property | 21/11/2025 | — | |
| outstanding | LendInvest Lendinvest Security Trustees Limited | A registered charge | 1 property | 20/11/2025 | — | |
| satisfied | Romaco Spv 2 Romaco Spv 2 Limited | A registered charge | 1 property | 10/09/2024 | 13/01/2026 | |
| outstanding | Romaco Spv 2 Romaco Spv 2 Limited | A registered charge | — | 21/08/2024 | — |
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
2026-02-17
mortgage-charge-whole-cease-and-release-with-charge-number
mortgage · MR05
2026-01-13
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-25
termination-director-company-with-name-termination-date
officers · TM01
2025-07-11
termination-director-company-with-name-termination-date
officers · TM01
2025-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-28
appoint-person-director-company-with-name-date
officers · AP01
2024-07-29
appoint-person-director-company-with-name-date
officers · AP01
2024-07-29
incorporation-company
incorporation · NEWINC
2024-05-21