Z D LIMITED
🌳Matureactive
SC215089 · ltd · incorporated 2001-01-25
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 25.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£300.4k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 67-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 70/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 8 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
9 live charges · oldest 25.1y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 25.1 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: medium (79/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
77 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £300,381
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£300k
↑ 8.8% YoY
Current Assets
£5
↓ 96% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £311.4k | £308.7k |
| Current assets | £5 | £138 |
| Net assets | £300.4k | £276.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-03-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-02-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-01-29📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-07-21📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-05-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2015-05-29🔓Charge satisfied #6
- 2015-03-04📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-01-26📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2009-01-30➕BAILWAL, Aman appointeddirector
- 2002-04-30➕BAILWAL, Zahida appointedsecretary
- 2002-04-30➖MESSRS THORNTONS WS resignedcorporate-nominee-secretary
- 2002-01-03🔒Charge registered #9Lender: The Royal Bank of Scotland PLC
- 2002-01-03🔒Charge registered #8Lender: The Royal Bank of Scotland PLC
- 2001-10-18🔒Charge registered #7Lender: The Royal Bank of Scotland PLC
- 2001-08-03🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 2001-08-03🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2001-08-03🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2001-07-30🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2001-04-27🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2001-03-23🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2001-02-26➕BAILWAL, Dinesh appointeddirector
- 2001-02-26➕BAILWAL, Zahida appointeddirector
- 2001-02-26➖HUTCHESON, Iain Henderson resignednominee-director
- 2001-01-25🏢Company incorporatedAs Z D LIMITED
- 2001-01-25➕MESSRS THORNTONS WS appointedcorporate-nominee-secretary
- 2001-01-25➕HUTCHESON, Iain Henderson appointednominee-director
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
80/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 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
1 low8 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Zahida Bailwal Individual · British · DOB 09/1959 · age 67 | 25–50% | — | 25-50% shares | 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 · DD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BROOMWELL LIMITED→ SC044342 · est 1967 · no financials extracted | — | — | — | — | 59y | — | — |
| BUSTER BARS LTD→ SC785998 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CAMOCEAN LIMITED→ SC413441 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CARGILL'S PROPERTY INVESTMENTS LTD→ SC781710 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CELTIC PROPERTY GUILD LTD→ SC781185 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CERBS PROPERTIES LTD→ SC717783 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CGT PROPERTIES (SCOTLAND) LIMITED→ SC812177 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CH PROPERTY INVESTMENTS LTD→ SC834595 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CH&SR PROPERTIES LTD→ SC719181 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CHAAT PROPERTIES LTD→ SC618941 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CHANGING SPACES (NORTHEAST) LTD→ SC760216 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CHARLES BOWIE LIMITED→ SC575439 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2001-01-25
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
626 Perth Road
Dundee
Angus
DD2 1QB
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-02-08
Last: 2026-01-25
Officers (4 active · 2 resigned)
Active
BAILWAL, Aman→
Activedirector · ~34y · appointed 2009-01-30
View their other companies + combined net worth →
BAILWAL, Dinesh→
Activedirector · ~61y · appointed 2001-02-26
View their other companies + combined net worth →
BAILWAL, Zahida→
Activedirector · ~67y · appointed 2001-02-26
View their other companies + combined net worth →
MESSRS THORNTONS WS→
Resignedcorporate-nominee-secretary · appointed 2001-01-25 · resigned 2002-04-30
HUTCHESON, Iain Henderson→
Resignednominee-director · appointed 2001-01-25 · resigned 2001-02-26
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
8
Outstanding
1
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 03/01/2002 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 03/01/2002 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 18/10/2001 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 03/08/2001 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 03/08/2001 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 03/08/2001 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 30/07/2001 | 29/05/2015 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 27/04/2001 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 23/03/2001 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (77 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-05
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-25
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-27
accounts-with-accounts-type-micro-entity
accounts · AA
2019-08-28
accounts-with-accounts-type-micro-entity
accounts · AA
2019-02-07