ARRAN PROPERTY COMPANY LTD
🌱Startupactive
SC854400 · ltd · incorporated 2025-07-02
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.
Why now
Window opening · high confidence
Window opening — thesis has shifted to "property refinance" in the last 30 days.
- · Investment thesis: stable_asset_backed → property_refinance
- · Bankability: 65 → 70
- · Refinance opportunity: no_debt → clean_up_first
- · Live charges: 0 → 1
What changed my view
Last 30 days
Mixed signals in the last 30 days — 2 improved, 1 worsened.
- ·Investment thesis: stable_asset_backed → property_refinance
- ↑Bankability: 65 → 70
- ↓Live charges: 0 → 1
- ↑Filings: 5 → 6
- ·Refinance opportunity: no_debt → clean_up_first
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒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: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
1 live charge · 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, 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
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
6 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 mortgage
Last 180 days
1
filing
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (9 events)Click to expand
- 2026-05-19📄mortgage-create-with-deed-with-charles-court-order-extend-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-04🔒Charge registered #1Lender: Bank of Scotland PLC, Birmingham Midshires Division
- 2026-01-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-02🏢Company incorporatedAs ARRAN PROPERTY COMPANY LTD
- 2025-07-02➕DALE, Clare Catherine appointeddirector
- 2025-07-02➕VASSELL, Steven Paul appointeddirector
- 2025-07-02📄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 1.1 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 Clare Catherine Dale Individual · British · DOB 08/1974 · age 52 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/07/2025 |
Mr Steven Paul Vassell Individual · British · DOB 06/1973 · age 53 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/07/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FREEPORT SCOTLAND LIMITED→ SC087372 · est 1984 | £2.26M £1.92M–£2.60M | — | £2.26M | — | 42y | 83 | 65y |
| ROBB DONALD & CO. LIMITED→ SC109886 · est 1988 | £1.67M £1.42M–£1.92M | — | £1.67M | — | 38y | 83 | 76y |
| DOONBANK INVESTMENTS LIMITED→ SC089875 · est 1984 | £1.61M £1.37M–£1.85M | — | £1.61M | — | 41y | 83 | 69y |
| BUILDWAYS LIMITED→ SC035627 · est 1960 | £652.9k £555.0k–£750.9k | — | £652.9k | — | 65y | 82 | 72y |
| DAEDALUS PROPERTIES LIMITED→ SC222335 · est 2001 | £637.0k £541.5k–£732.6k | — | £637.0k | — | 24y | 82 | 67y |
| DS PROPERTY MANAGEMENT LIMITED→ SC372145 · est 2010 | £234.1k £199.0k–£269.2k | — | £234.1k | — | 16y | 83 | 61y |
| AYRSHIRE PROPERTY MANAGEMENT LTD.→ SC387933 · est 2010 | £203.4k £172.9k–£234.0k | — | £203.4k | — | 15y | 82 | 69y |
| DABART LIMITED→ SC169972 · est 1996 | £198.2k £168.5k–£227.9k | — | £198.2k | — | 29y | 82 | 79y |
| MCG PROPERTIES LIMITED→ SC297086 · est 2006 | £111.8k £95.0k–£128.6k | — | £111.8k | — | 20y | 83 | 71y |
| J G D PROPERTIES LIMITED→ SC254693 · est 2003 | £97.6k £82.9k–£112.2k | — | £97.6k | — | 22y | 82 | 77y |
| CROSSING PROPERTIES LTD.→ SC170722 · est 1996 | £83.5k £71.0k–£96.0k | — | £83.5k | — | 29y | 82 | 78y |
| BRYAN BYRNE CONSULTANTS PROPERTIES LIMITED→ SC281879 · est 2005 | £79.4k £67.5k–£91.3k | — | £79.4k | — | 21y | 82 | 70y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
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See pricing →Company details
Statusactive
Typeltd
Incorporated2025-07-02
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
3 Montrose Terrace
Whiting Bay
Isle Of Arran
KA27 8QN
Scotland
Filing status
Accounts
Next due: 2027-04-02
Last made up to: —
Confirmation statement
Next due: 2026-09-17
Last: 2025-09-03
Officers (2 active · 0 resigned)
DALE, Clare Catherine→
Activedirector · ~52y · appointed 2025-07-02
View their other companies + combined net worth →
VASSELL, Steven Paul→
Activedirector · ~53y · appointed 2025-07-02
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 | Lloyds Banking Group Bank of Scotland PLC, Birmingham Midshires Division | A registered charge | 1 property | 04/03/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (6 total)
mortgage-create-with-deed-with-charles-court-order-extend-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-07
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-03
incorporation-company
incorporation · NEWINC
2025-07-02