BLACK PROPERTY PORTFOLIO LTD

🌱Startupactive
SC823683 · ltd · incorporated 2024-09-24
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
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Turnover
year to Sept 2025
Net worth
£1.9k
book net assets
Opportunity
71/100
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 acceptable with review structure.

Opportunity 71/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Deleverage or restructure. Leverage at 100% of assets — consider sale of non-core assets or equity injection. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 1.4y

35/100
too messy

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

  • · Newest facility, 1.4 years old — likely still in initial term.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (70/100)

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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
6 filings
60
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
71/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,929
High leverage
Liabilities are 100% of total assets
Leverage
100%
Liabilities / Total assets

Key financials

1 year extracted from filed iXBRL accounts
Cash
Net Worth
£2k
Current Assets
£1k
Current Liabilities

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-30
Total assets£431.3k
Current assets£1.4k
Net assets£1.9k

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
1
filing
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (10 events)Click to expand
  1. 2025-11-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-02-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-02-18
    🔒
    Charge registered #3
    Lender: Vida Bank Limited T/a Vida Homeloans
  4. 2025-02-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-02-12
    🔒
    Charge registered #2
    Lender: Vida Bank Limited T/a Vida Homeloans
  6. 2024-12-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2024-12-07
    🔒
    Charge registered #1
    Lender: Vida Bank Limited Trading as Vida Homeloans
  8. 2024-09-24
    🏢
    Company incorporated
    As BLACK PROPERTY PORTFOLIO LTD
  9. 2024-09-24
    BLACK, Zoe Ann appointed
    director
  10. 2024-09-24
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

95/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder name in company name: Company name contains director surname "BLACK" — strong identity link between founder and business.
  • +Young company: Only 1.6 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Zoe Ann Black
Individual · British · DOB 01/1973 · age 53
75100%
75–100%board control75-100% shares · 75-100% voting · board control24/09/2024

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

11 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
Incorporated2024-09-24
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

4 Inveralmond Drive
Edinburgh
EH4 6JX
Scotland

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-07
Last: 2025-09-23

Officers (1 active · 0 resigned)

BLACK, Zoe Ann
director · ~53y · appointed 2024-09-24
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
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Vida Bank T/a Vida Homeloans
Vida Bank Limited T/a Vida Homeloans
A registered charge1 property18/02/2025
outstanding
Vida Bank T/a Vida Homeloans
Vida Bank Limited T/a Vida Homeloans
A registered charge1 property12/02/2025
outstanding
Vida Bank Trading as Vida Homeloans
Vida Bank Limited Trading as Vida Homeloans
A registered charge1 property07/12/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (6 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-16
incorporation-company
incorporation · NEWINC
2024-09-24