LISA CHARLES PROPERTY LTD
🌱Startupactive
SC829177 · ltd · incorporated 2024-11-18
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
77/100
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
- 68320Management of real estate on a fee or contract basis
Investor take
PursueProperty-backed borrower with a 79-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 70/100. Strong seller-intent signal (60/100, director aged 79). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · oldest 1.0y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.0 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: low (53/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 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
Network not yet resolved
30
Filing history
5 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (9 events)Click to expand
- 2025-05-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-14🔒Charge registered #2Lender: Kensington Mortgage Company Limited
- 2025-05-14🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2024-11-18🏢Company incorporatedAs LISA CHARLES PROPERTY LTD
- 2024-11-18➕LODER, Bryan Charles appointedsecretary
- 2024-11-18➕LODER, Bryan Charles appointeddirector
- 2024-11-18➕ZHANG, Lisha appointeddirector
- 2024-11-18📄incorporation-companyincorporation · NEWINC
Owner dependency
78/100
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.
- +Founder age: Director aged approximately 79 — succession pressure is live.
- +Young company: Only 1.5 years old — management layer unlikely to be developed.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
- 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 Lisha Zhang Individual · Chinese · DOB 09/1984 · age 42 | 50–75% | 25–50% | 50-75% shares · 50-75% voting | 18/11/2024 |
Mr Bryan Charles Loder Individual · British · DOB 09/1947 · age 79 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 18/11/2024 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| LJ PROPERTY GROUP LTD→ SC734800 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| LKI INVESTMENTS LIMITED→ SC863232 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LMI PROPERTY LTD→ SC819526 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| LMJA HOLDINGS LTD→ SC517895 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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.
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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
Incorporated2024-11-18
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
5 South Charlotte Street
Edinburgh
EH2 4AN
United Kingdom
Filing status
Accounts
Next due: 2026-08-18
Last made up to: —
Confirmation statement
Next due: 2026-12-02
Last: 2025-11-18
Officers (3 active · 0 resigned)
LODER, Bryan Charles→
Activesecretary · appointed 2024-11-18
View their other companies + combined net worth →
LODER, Bryan Charles→
Activedirector · ~79y · appointed 2024-11-18
View their other companies + combined net worth →
ZHANG, Lisha→
Activedirector · ~42y · appointed 2024-11-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 2 properties | 14/05/2025 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 2 properties | 14/05/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (5 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-14
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-28
incorporation-company
incorporation · NEWINC
2024-11-18