MIDLOTHIAN PROPERTIES LTD
🌱Startupactive
SC841484 · ltd · incorporated 2025-03-16
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
—
not disclosed
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 70/100 (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
3 live charges · oldest 0.4y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.4 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, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 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
Opportunity Score
70/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
4
filings
- • 3 mortgage
- • 1 confirmation-statement
Last 180 days
5
filings
- • 4 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
- 2026-03-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-13🔒Charge registered #3Lender: Leeds Building Society
- 2026-03-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-03🔒Charge registered #2Lender: Leeds Building Society
- 2026-03-03🔓Charge satisfied #1
- 2026-01-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-08🔒Charge registered #1Lender: Leeds Building Society
- 2025-03-16🏢Company incorporatedAs MIDLOTHIAN PROPERTIES LTD
- 2025-03-16➕SZEWCZYK, Agnieszka Malgorzata appointeddirector
- 2025-03-16➕SZEWCZYK, Slawomir appointeddirector
- 2025-03-16➕SZEWCZYK, Tymoteusz appointeddirector
- 2025-03-16📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 1.2 years old — management layer unlikely to be developed.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
1 med ·3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-13: A registered charge; 2026-03-03: A registered charge; 2026-01-08: A registered charge
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Agnieszka Malgorzata Szewczyk Individual · Polish · DOB 11/1978 · age 48 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 16/03/2025 |
Mr Tymoteusz Szewczyk Individual · British,Polish · DOB 02/2006 · age 20 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 16/03/2025 |
Mr Slawomir Szewczyk Individual · Polish · DOB 11/1976 · age 50 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 16/03/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| MALZER PROPERTIES LTD→ SC811163 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| MCEWAN FRASER (UK) LIMITED→ SC257925 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| MCNEISH PROPERTIES LIMITED→ SC626235 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| MIDLOTHIAN DEVELOPMENTS LTD→ SC574492 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| MIDLOTHIAN PROPERTY COMPANY LIMITED→ SC645452 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| MILLER 1875 PROPERTIES LTD.→ SC331834 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| MILLER BROWN PROPERTIES LTD→ SC716996 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| MILLERHILL PROPERTIES LIMITED→ SC060301 · est 1976 · no financials extracted | — | — | — | — | 49y | — | — |
| MILLGLEN ASSOCIATES LIMITED→ SC301824 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2025-03-16
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
18 Stagg Park
Dalkeith
EH22 2FU
Scotland
Filing status
Accounts
Next due: 2026-12-16
Last made up to: —
Confirmation statement
Next due: 2027-03-29
Last: 2026-03-15
Officers (3 active · 0 resigned)
SZEWCZYK, Agnieszka Malgorzata→
Activedirector · ~48y · appointed 2025-03-16
View their other companies + combined net worth →
SZEWCZYK, Slawomir→
Activedirector · ~50y · appointed 2025-03-16
View their other companies + combined net worth →
SZEWCZYK, Tymoteusz→
Activedirector · ~20y · appointed 2025-03-16
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Leeds Building Society | A registered charge | 2 properties | 13/03/2026 | — | |
| outstanding | Leeds Building Society | A registered charge | 2 properties | 03/03/2026 | — | |
| satisfied | Leeds Building Society | A registered charge | 2 properties | 08/01/2026 | 03/03/2026 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (6 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-16
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-09
incorporation-company
incorporation · NEWINC
2025-03-16