AONA INVESTMENTS SPV LIMITED
🌱Startupactive
SC828132 · ltd · incorporated 2024-11-06
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
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
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
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
1 live charge · oldest 1.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.1 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (55/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
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
4 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.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 address
Last 180 days
2
filings
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
- 2026-03-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-03-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-04🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2024-11-06🏢Company incorporatedAs AONA INVESTMENTS SPV LIMITED
- 2024-11-06➕MCGOWAN, Fiona appointedsecretary
- 2024-11-06➕MCGOWAN, Fiona appointeddirector
- 2024-11-06➕MCGOWAN, Ian Lennox appointeddirector
- 2024-11-06📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
High — earn-out structure requiredMaterial 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 1.5 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Fiona Mcgowan Individual · Scottish · DOB 02/1982 · age 44 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/11/2024 |
Mr Ian Lennox Mcgowan Individual · Scottish · DOB 07/1977 · age 49 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/11/2024 |
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.
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|---|---|---|---|---|---|---|---|
| ANDERSON DOE PROPERTY LIMITED→ SC641112 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ANDERSON MACDERMID RESIDENTIAL LTD→ SC851559 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANDREW MCQUADE PROPERTY LTD→ SC818485 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANGEL VIEW INVEST LTD→ SC883397 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ANGUS PROPERTY INVESTMENTS LTD→ SC764272 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ANIMUS PROPERTIES LTD→ SC767800 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AP INVESTMENTS SCOTLAND LTD→ SC726420 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AP1 BUSINESS LTD→ SC874636 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| APB HOMES LIMITED→ SC729822 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| APEX ALLIANCE PROPERTIES LTD→ SC796533 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| APEX CUTHBERTSON LIMITED→ SC810666 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| APEX PRIME PROPERTY HOLDINGS LTD→ SC834013 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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.
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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.
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See pricing →Company details
Statusactive
Typeltd
Incorporated2024-11-06
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Clyde Offices 2nd Floor
48 West George Street
Glasgow
G2 1BP
Scotland
Filing status
Accounts
Next due: 2026-08-06
Last made up to: —
Confirmation statement
Next due: 2026-11-19
Last: 2025-11-05
Officers (3 active · 0 resigned)
Active
MCGOWAN, Fiona→
Activedirector · ~44y · appointed 2024-11-06
View their other companies + combined net worth →
MCGOWAN, Ian Lennox→
Activedirector · ~49y · appointed 2024-11-06
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 04/03/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (4 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-10
incorporation-company
incorporation · NEWINC
2024-11-06