JS PROPERTY (SCOTLAND) LIMITED

🌳Matureactive
SC265091 · ltd · incorporated 2004-03-18
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days

No material changes in the last 30 days.

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
—
year to Mar 2025
Net worth
£838.4k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 66-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (83/100, director aged 66). 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 (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 21.2y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 21.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — 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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
69 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
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £838,367
Cash YoY
+325%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£12k
↑ 325% YoY
Net Worth
£838k
↑ 10% YoY
Current Assets
£81k
↑ 70% YoY
Current Liabilities
—
£0£168k£335k£503k£671k£838kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£1.09M£1.05M
Current assets£81.0k£47.8k
Cash£11.7k£2.8k
Debtors£69.3k£45.0k
Net assets£838.4k£760.5k

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

🔒Filing-note intelligence

1 signal 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
2
filings
  • • 1 confirmation-statement
  • • 1 address
Last 180 days
3
filings
  • • 1 confirmation-statement
  • • 1 address
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-03-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-11-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-05-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-05-13
    🔓
    Charge satisfied #2
  6. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-01-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-03-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-12-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-03-23
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2018-03-23
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2018-03-23
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2018-02-05
    ➖
    JAMIESON, Wilson resigned
    director
  16. 2017-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2016-11-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2008-07-24
    🔒
    Charge registered #4
    Lender: Clydesdale Bank PLC
  19. 2005-08-17
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  20. 2005-06-22
    🔒
    Charge registered #2
    Lender: Scottish Enterprise Forth Valley
  21. 2005-04-16
    ➕
    LOWE, Catherine Marie appointed
    director
  22. 2005-03-23
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  23. 2004-03-18
    🏢
    Company incorporated
    As JS PROPERTY (SCOTLAND) LIMITED
  24. 2004-03-18
    ➕
    SCANLAN, Frances Marie appointed
    secretary
  25. 2004-03-18
    ➕
    SCANLAN, Frances Marie appointed
    director
  26. 2004-03-18
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  27. 2004-03-18
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  28. 2004-03-18
    ➕
    JAMIESON, Wilson appointed
    director
  29. 2004-03-18
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director
  30. 2004-03-18
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    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 22 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — 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 66. 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 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Ms Frances Marie Scanlan
Individual · British · DOB 04/1965 · age 61
——sig. influencesignificant influence05/02/2018
1 historic (ceased) PSC
  • Wilson Jamiesonceased 05/02/2018· 50-75% shares · firm interest

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
Incorporated2004-03-18
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

C/O Rennie Smith & Co 64 Murray Place
Stirling
Stirlingshire
FK8 2BX
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-18
Last: 2026-03-04

Officers (3 active · 3 resigned)

SCANLAN, Frances Marie→
secretary · appointed 2004-03-18
View their other companies + combined net worth →
Active
LOWE, Catherine Marie→
director · ~66y · appointed 2005-04-16
View their other companies + combined net worth →
Active
SCANLAN, Frances Marie→
director · ~61y · appointed 2004-03-18
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2004-03-18 · resigned 2004-03-18
Resigned
JAMIESON, Wilson→
director · ~95y · appointed 2004-03-18 · resigned 2018-02-05
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 2004-03-18 · resigned 2004-03-18
Resigned

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

Mortgages & charges

4
Total charges
3
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
Standard security1 property24/07/2008—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property17/08/2005—
satisfied
Scottish Enterprise Forth Valley
Standard security1 property22/06/200513/05/2024
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property23/03/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (69 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-26
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-27