RCH PROPERTY INVESTMENT LTD

🌱Startupactive

SC828332 · ltd · incorporated 2024-11-08

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 Nov 2025

Net worth

£-39.5k

book net assets

Opportunity

67/100

Strong

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What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pass (distressed without resilience)

Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 67/100 (strong), bankability 55/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

6 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, 1 SIC codes, incorporation date

100

Financials

1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed

Lenders & charges

6 charges (6/6 with lender, 6/6 with type)

Directors & officers

1 officers (1 active, 1 linked, 1 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

Network not yet resolved

Filing history

14 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

67/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Negative net assets

Liabilities exceed assets by £39,459

Key financials

1 year extracted from filed iXBRL accounts

Cash

£8k

Net Worth

-£39k

Current Assets

£17k

Current Liabilities

—

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-11-30
Total assets	£29.1k
Current assets	£16.6k
Cash	£7.5k
Debtors	£9.0k
Net assets	£-39.5k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 officers
• 1 persons-with-significant-control

Counts from Companies House filing history.

Corporate timeline (21 events)Click to expand

2026-04-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-13
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-08
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-05
🔒
Charge registered #6
Lender: Together Commercial Finance Limited
2025-08-01
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-08-01
🔓
Charge satisfied #4
2025-07-21
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-10
🔒
Charge registered #5
Lender: Paratus Amc Limited
2025-03-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-06
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-06
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-05
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-05
🔒
Charge registered #4
Lender: Together Commercial Finance Limited
2025-03-04
🔒
Charge registered #2
Lender: Together Commercial Finance Limited
2025-03-03
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-28
🔒
Charge registered #3
Lender: Together Commercial Finance Limited
2025-02-28
🔒
Charge registered #1
Lender: Together Commercial Finance Limited
2024-11-08
🏢
Company incorporated
As RCH PROPERTY INVESTMENT LTD
2024-11-08
➕
HUNTER, Craig David appointed
director
2024-11-08
📄
incorporation-company
incorporation · NEWINC

Owner dependency

80/100

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.
+Young company: Only 1.5 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

1 low

5 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Craig David Hunter Individual · British · DOB 10/1986 · age 40	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	08/11/2024

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

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SCAI DYNASTIC HOLDINGS LTD→ SC856156 · est 2025 · no financials extracted	—	—	—	—	—	—	—
SCANLON PROPERTY SERVICES LTD→ SC870018 · est 2025 · no financials extracted	—	—	—	—	—	—	—
SCAS PROPERTY LTD→ SC720457 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
SCATHGORM PROPERTIES LIMITED→ SC666121 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
SCF ESTATES LTD→ SC841331 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
SCOPE PROPERTY SOURCING LTD→ SC811917 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
SCOT PROPERTY BUREAU LIMITED→ SC839267 · est 2025 · no financials extracted	—	—	—	—	1y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

10 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

Incorporated2024-11-08

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

1 Cambuslang Court

Glasgow

G32 8FH

Scotland

Filing status

Accounts

Next due: 2027-08-31

Last made up to: 2025-11-30

Confirmation statement

Next due: 2026-12-25

Last: 2025-12-11

Officers (1 active · 0 resigned)

HUNTER, Craig David→

director · ~40y · appointed 2024-11-08

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:6 of 6 shown

		Type	Properties
outstanding	Together Money Together Commercial Finance Limited	A registered charge	1 property	05/09/2025	—
outstanding	Paratus Amc Paratus Amc Limited	A registered charge	2 properties	10/07/2025	—
satisfied	Together Money Together Commercial Finance Limited	A registered charge	1 property	05/03/2025	01/08/2025
outstanding	Together Money Together Commercial Finance Limited	A registered charge	1 property	04/03/2025	—
outstanding	Together Money Together Commercial Finance Limited	A registered charge	—	28/02/2025	—
outstanding	Together Money Together Commercial Finance Limited	A registered charge	—	28/02/2025	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (14 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-04-24

change-person-director-company-with-change-date

officers · CH01

2026-01-13

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-01-13

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-12-11