SCORIA ESTATE LTD

🌱Startupactive
SC827555 · ltd · incorporated 2024-10-31
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
Upgrade to see
Turnover
year to Oct 2025
Net worth
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
  • 68320Management of real estate on a fee or contract basis
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 72/100 (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: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 1.2y

35/100
too messy

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

  • · Newest facility, 1.2 years old — likely still in initial term.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

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, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 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
5 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.

Key financials

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

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-10-31

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
1
filing
  • 1 accounts
Last 90 days
1
filing
  • 1 accounts
Last 180 days
2
filings
  • 1 accounts
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (9 events)Click to expand
  1. 2026-04-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-10-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-09-23
    🔒
    Charge registered #2
    Lender: Belmont Green Finance Limited Trading as Vida Homeloans
  4. 2025-02-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-02-19
    🔒
    Charge registered #1
    Lender: Mortgage Works (UK) PLC
  6. 2024-10-31
    🏢
    Company incorporated
    As SCORIA ESTATE LTD
  7. 2024-10-31
    BLOCH, Agnieszka appointed
    director
  8. 2024-10-31
    PRUSZAK, Amadeusz Marian appointed
    director
  9. 2024-10-31
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

63/100
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.
  • +Young company: Only 1.5 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 Amadeusz Marian Pruszak
Individual · Polish · DOB 05/1994 · age 32
2550%
25–50%25-50% shares · 25-50% voting31/10/2024
Ms Agnieszka Bloch
Individual · Polish · DOB 12/1998 · age 28
2550%
25–50%25-50% shares · 25-50% voting31/10/2024

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 →

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

8 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.

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Company details

Statusactive
Typeltd
Incorporated2024-10-31
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

10 Milton Road
Perth
Perthshire
PH1 2LA
Scotland

Filing status

Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-11-13
Last: 2025-10-30

Officers (2 active · 0 resigned)

BLOCH, Agnieszka
director · ~28y · appointed 2024-10-31
View their other companies + combined net worth →
Active
PRUSZAK, Amadeusz Marian
director · ~32y · appointed 2024-10-31
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Belmont Green Finance Trading as Vida Homeloans
Belmont Green Finance Limited Trading as Vida Homeloans
A registered charge1 property23/09/2025
outstanding
Mortgage Works (UK)
Mortgage Works (UK) PLC
A registered charge1 property19/02/2025
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (5 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-24
incorporation-company
incorporation · NEWINC
2024-10-31