SILVERFERN (ST. MARY'S) LIMITED
🌳Matureactive
SC187405 · ltd · incorporated 1998-07-01
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 27.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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
PursueProperty-backed borrower with a 87-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 87). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · oldest 27.0y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 27.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 6 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
23 connected companies via shared directors
90
Filing history
86 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2025-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-29📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-07-22📄gazette-notice-compulsorygazette · GAZ1
- 2024-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-12📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-04-12📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2022-03-01📄gazette-notice-compulsorygazette · GAZ1
- 2020-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-29📄capital-name-of-class-of-sharescapital · SH08
- 2020-01-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-10📄change-person-director-company-with-change-dateofficers · CH01
- 2018-01-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-01-15➕MILNE, Rory Michael Stuart appointeddirector
- 2013-04-03➖1924 NOMINEES LTD resignedcorporate-secretary
- 2008-06-23➖PIKE, James Lonsdale resigneddirector
- 2008-04-10➖BRISKER, Robert Davey resigneddirector
- 1999-05-05🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1999-04-29🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1998-10-29➕HUTCHISON, Peter Oliphant appointeddirector
- 1998-10-29➕MANCLARK, James William Mckinnon appointeddirector
- 1998-10-29➕BRISKER, Robert Davey appointeddirector
- 1998-10-29➖MILNE, Rory Michael Stuart resigneddirector
- 1998-10-29➕PIKE, James Lonsdale appointeddirector
- 1998-07-01🏢Company incorporatedAs SILVERFERN (ST. MARY'S) LIMITED
- 1998-07-01➕1924 NOMINEES LTD appointedcorporate-secretary
- 1998-07-01➕MILNE, Rory Michael Stuart appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 87 — succession pressure is live.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 87 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 28 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James William Mckinnon Manclark Individual · British · DOB 12/1939 · age 87 | — | — | sig. influencesignificant influence | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Property · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1LET LIMITED→ SC317107 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| 1ST CONNECT HOMES LTD→ SC842552 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 1ST FOCUS LETTING LIMITED→ SC667911 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 1ZE ESTATE LTD→ SC788004 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 20 CABOT SQUARE I UNIT TRUST GP LIMITED→ SC312228 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| 20 CABOT SQUARE II UNIT TRUST GP LIMITED→ SC312227 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| 20 CABOT SQUARE II UNIT TRUST LP LIMITED→ SC312229 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| 34 MELVILLE STREET LIMITED→ SC714514 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 39 HANOVER LIMITED→ SC552449 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 3CLS PROPERTIES LIMITED→ SC772751 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 40 THIRLESTANE ROAD LIMITED→ SC788081 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 4M (NO2) LTD→ SC822372 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated1998-07-01
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
7 Hopetoun Crescent
Edinburgh
EH7 4AY
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-05-14
Last: 2025-04-30
Officers (3 active · 4 resigned)
HUTCHISON, Peter Oliphant→
Activedirector · ~66y · appointed 1998-10-29
View their other companies + combined net worth →
MANCLARK, James William Mckinnon→
Activedirector · ~87y · appointed 1998-10-29
View their other companies + combined net worth →
MILNE, Rory Michael Stuart→
Activedirector · ~61y · appointed 2017-01-15
View their other companies + combined net worth →
1924 NOMINEES LTD→
Resignedcorporate-secretary · appointed 1998-07-01 · resigned 2013-04-03
BRISKER, Robert Davey→
Resigneddirector · ~82y · appointed 1998-10-29 · resigned 2008-04-10
MILNE, Rory Michael Stuart→
Resigneddirector · ~61y · appointed 1998-07-01 · resigned 1998-10-29
PIKE, James Lonsdale→
Resigneddirector · ~61y · appointed 1998-10-29 · resigned 2008-06-23
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 | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 05/05/1999 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 29/04/1999 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (86 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-24
gazette-filings-brought-up-to-date
gazette · DISS40
2025-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-28
gazette-notice-compulsory
gazette · GAZ1
2025-07-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-30
gazette-filings-brought-up-to-date
gazette · DISS40
2022-05-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-11
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2022-04-12
gazette-notice-compulsory
gazette · GAZ1
2022-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-04