PANTONE PROPERTY MANAGEMENT LIMITED
🌳Matureactive
SC305376 · ltd · incorporated 2006-07-12
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 Dec 2024
Net worth
£35.0k
book net assets
Opportunity
75/100
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 69-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
7 live charges · 4 lenders · oldest 19.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 19.4 years old — likely at or near maturity.
- · 4 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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
6 officers (3 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
59 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
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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £34,990
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£35k
↑ 1.4% YoY
Current Assets
£5k
↓ 32% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £422.0k | £422.0k |
| Current assets | £4.6k | £6.8k |
| Net assets | £35.0k | £34.5k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
- 2025-09-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-24🔓Charge satisfied #4
- 2024-05-24🔓Charge satisfied #5
- 2024-02-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-20🔒Charge registered #7Lender: The Mortgage Works (UK) PLC
- 2024-02-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-30🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2023-11-08➕BANKS, Isabel appointeddirector
- 2023-11-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-02➖BANKS, Isabel resigneddirector
- 2021-08-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-12-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-11-29🔒Charge registered #4Lender: Kensington Mortgage Company Limited
- 2018-11-28🔒Charge registered #5Lender: Kensington Mortgage Company Limited
- 2018-09-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-25➕BANKS, Isabel appointeddirector
- 2018-07-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-03-16🔒Charge registered #3Lender: Charter Court Financial Services Limited
- 2007-11-06🔒Charge registered #2Lender: Paragon Mortgages Limited
- 2006-12-08🔒Charge registered #1Lender: Paragon Mortgages Limited
- 2006-07-12🏢Company incorporatedAs PANTONE PROPERTY MANAGEMENT LIMITED
- 2006-07-12➕BANKS, Isabel appointedsecretary
- 2006-07-12➕BANKS, Michael appointeddirector
- 2006-07-12➕FIRST SCOTTISH SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2006-07-12➖FIRST SCOTTISH SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2006-07-12➕FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED appointedcorporate-nominee-director
- 2006-07-12➖FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED resignedcorporate-nominee-director
Owner dependency
91/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 20 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 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 |
|---|---|---|---|---|
Mr Michael Banks Individual · British · DOB 04/1963 · age 63 | 25–50% | — | 25-50% shares | 12/07/2016 |
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 LP LIMITED→ SC312229 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| 34 MELVILLE STREET LIMITED→ SC714514 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 6M PROPERTIES LIMITED→ SC842080 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A2Z (EDINBURGH) LTD→ SC740640 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A701 LETTINGS LTD→ SC844164 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AB MANAGEMENT LTD→ SC854324 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABACUS PROPERTY FACTORS LTD→ SC483436 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2006-07-12
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
54 Society Road
South Queensferry
Edinburgh
Lothian
EH30 9RX
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-26
Last: 2025-07-12
Officers (3 active · 3 resigned)
Active
BANKS, Isabel→
Activedirector · ~69y · appointed 2023-11-08
View their other companies + combined net worth →
BANKS, Michael→
Activedirector · ~63y · appointed 2006-07-12
View their other companies + combined net worth →
FIRST SCOTTISH SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2006-07-12 · resigned 2006-07-12
BANKS, Isabel→
Resigneddirector · ~69y · appointed 2018-07-25 · resigned 2021-08-02
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 2006-07-12 · resigned 2006-07-12
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
5
Outstanding
3
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 2 properties | 20/02/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 30/01/2024 | — | |
| satisfied | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 29/11/2018 | 24/05/2024 | |
| satisfied | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 28/11/2018 | 24/05/2024 | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 16/03/2018 | — | |
| outstanding | Paragon Paragon Mortgages Limited | Standard security | 1 property | 06/11/2007 | — | |
| outstanding | Paragon Paragon Mortgages Limited | Standard security | 1 property | 08/12/2006 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (59 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-25
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-05
appoint-person-director-company-with-name-date
officers · AP01
2023-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-06
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-30
termination-director-company-with-name-termination-date
officers · TM01
2021-08-02