B & L PROPERTIES (SCOTLAND) LIMITED

🌳Matureactive
SC223904 · ltd · incorporated 2001-10-03
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
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 67-year-old founder — textbook succession opportunity.

Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

13 live charges · 3 lenders · oldest 24.2y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 24.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
13 charges (13/13 with lender, 13/13 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
95 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Sept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Average employees200200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 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
0
filings
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
  1. 2025-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2024-09-02
    🔒
    Charge registered #13
    Lender: The Royal Bank of Scotland PLC
  4. 2024-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-03-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2023-03-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-03-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2023-03-06
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  10. 2023-03-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2023-03-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2022-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-11-20
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  15. 2019-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-08-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2018-08-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2017-05-15
    🔒
    Charge registered #12
    Lender: The Royal Bank of Scotland PLC
  20. 2008-04-21
    🔓
    Charge satisfied #7
  21. 2008-04-21
    🔓
    Charge satisfied #5
  22. 2008-04-21
    🔓
    Charge satisfied #4
  23. 2008-04-21
    🔓
    Charge satisfied #3
  24. 2008-04-21
    🔓
    Charge satisfied #2
  25. 2008-04-04
    🔒
    Charge registered #11
    Lender: Royal Bank of Scotland PLC
  26. 2008-04-04
    🔓
    Charge satisfied #1
  27. 2008-03-25
    🔒
    Charge registered #10
    Lender: Royal Bank of Scotland PLC
  28. 2008-03-25
    🔒
    Charge registered #9
    Lender: Royal Bank of Scotland PLC
  29. 2007-12-31
    🔒
    Charge registered #8
    Lender: The Royal Bank of Scotland PLC
  30. 2004-05-10
    🔒
    Charge registered #7
    Lender: The Governor and Company of the Bank of Scotland
  31. 2003-07-23
    🔒
    Charge registered #6
    Lender: The Governor and Company of the Bank of Scotland
  32. 2003-04-15
    🔒
    Charge registered #5
    Lender: The Governor and Company of the Bank of Scotland
  33. 2003-02-27
    🔒
    Charge registered #4
    Lender: The Governor and Company of the Bank of Scotland
  34. 2002-07-26
    🔒
    Charge registered #3
    Lender: The Governor and Company of the Bank of Scotland
  35. 2002-03-18
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  36. 2002-02-13
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  37. 2001-11-01
    ➕
    CAMERON, Catriona Elizabeth appointed
    secretary
  38. 2001-11-01
    ➕
    CAMERON, Catriona Elizabeth appointed
    director
  39. 2001-11-01
    ➕
    LITTLEJOHN, Simon Howard appointed
    director
  40. 2001-11-01
    ➖
    LEDINGHAM CHALMERS resigned
    corporate-nominee-secretary
  41. 2001-11-01
    ➖
    DURANO LIMITED resigned
    corporate-nominee-director
  42. 2001-10-03
    🏢
    Company incorporated
    As B & L PROPERTIES (SCOTLAND) LIMITED
  43. 2001-10-03
    ➕
    LEDINGHAM CHALMERS appointed
    corporate-nominee-secretary
  44. 2001-10-03
    ➕
    DURANO LIMITED appointed
    corporate-nominee-director

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

86/100
Likely off-market candidate

Strong 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.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 24 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 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

7 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Catriona Elizabeth Cameron
Individual · British · DOB 09/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Simon Howard Littlejohn
Individual · British · DOB 01/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated2001-10-03
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Unit 9 Rfl House
Anderson Street
Dunblane
Stirlingshire
FK15 6AJ
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-08-30
Last: 2025-08-16

Officers (3 active · 2 resigned)

CAMERON, Catriona Elizabeth→
secretary · appointed 2001-11-01
View their other companies + combined net worth →
Active
CAMERON, Catriona Elizabeth→
director · ~61y · appointed 2001-11-01
View their other companies + combined net worth →
Active
LITTLEJOHN, Simon Howard→
director · ~67y · appointed 2001-11-01
View their other companies + combined net worth →
Active
LEDINGHAM CHALMERS→
corporate-nominee-secretary · appointed 2001-10-03 · resigned 2001-11-01
Resigned
DURANO LIMITED→
corporate-nominee-director · appointed 2001-10-03 · resigned 2001-11-01
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

13
Total charges
7
Outstanding
1
Active lenders
Status:Lender:13 of 13 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge5 properties02/09/2024—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property15/05/2017—
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property04/04/2008—
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property25/03/2008—
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property25/03/2008—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property31/12/2007—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property10/05/200421/04/2008
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property23/07/2003—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property15/04/200321/04/2008
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property27/02/200321/04/2008
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property26/07/200221/04/2008
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property18/03/200221/04/2008
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property13/02/200204/04/2008
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (95 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-07
change-person-director-company-with-change-date
officers · CH01
2023-03-06
change-person-director-company-with-change-date
officers · CH01
2023-03-06
change-person-secretary-company-with-change-date
officers · CH03
2023-03-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-29