ARDESSIE PROPERTIES LTD
🌱Startupactive
SC845181 · ltd · incorporated 2025-04-14
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: 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 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 0.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.7 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · 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
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
Network not yet resolved
30
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
2
filings
- • 1 confirmation-statement
- • 1 mortgage
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 mortgage
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
- 2026-03-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-23🔒Charge registered #2Lender: Bank of Scotland, Birmingham Midshires Division
- 2025-09-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-14🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2025-04-14🏢Company incorporatedAs ARDESSIE PROPERTIES LTD
- 2025-04-14➕BRUCE, Michael appointeddirector
- 2025-04-14➕MACKENZIE, Hannah appointeddirector
- 2025-04-14📄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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Young company: Only 1.0 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 |
|---|---|---|---|---|
Mr Michael Bruce Individual · Scottish · DOB 12/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/04/2025 |
Mrs Hannah Mackenzie Individual · Scottish · DOB 02/1989 · age 37 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/04/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| BANNERMAN DEVELOPMENTS LIMITED→ SC080817 · est 1982 · no financials extracted | — | — | — | — | 43y | — | — |
| BARAKAT GROUP LTD→ SC554554 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| BARALO LTD→ SC835770 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BARNSPIRE PROPERTIES LIMITED→ SC082120 · est 1983 · no financials extracted | — | — | — | — | 43y | — | — |
| BARON G & G LTD→ SC698291 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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.
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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.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2025-04-14
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Bonnington Bond
2 Anderson Place
Edinburgh
EH6 5NP
United Kingdom
Filing status
Accounts
Next due: 2027-01-14
Last made up to: —
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09
Officers (2 active · 0 resigned)
BRUCE, Michael→
Activedirector · ~38y · appointed 2025-04-14
View their other companies + combined net worth →
MACKENZIE, Hannah→
Activedirector · ~37y · appointed 2025-04-14
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
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland, Birmingham Midshires Division | A registered charge | 1 property | 23/03/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 14/08/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (4 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-03
incorporation-company
incorporation · NEWINC
2025-04-14