FRASER BRUCE PROPERTIES LTD.

🌳Matureactive
SC314500 · ltd · incorporated 2007-01-11
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 Jan 2026
Net worth
£21.9k
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 79-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 79). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 2.5y

0/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Newest facility, 2.5 years old — likely still in initial term.
  • · Two lenders — manageable, but coordination required.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (80/100)

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
3 charges (3/3 with lender, 3/3 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
7 connected companies via shared directors
66
Filing history
54 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 £21,939
Net assets shrinking
Down £6,134 YoY
Cash YoY
-26%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£35k
↓ 26% YoY
Net Worth
£22k
↓ 22% YoY
Current Assets
£37k
↓ 25% YoY
Current Liabilities
—
£0£10k£20k£30k£40k£49kJan 2025Jan 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-01-312025-01-31
Total assets£180.8k£425.5k
Current assets£36.9k£49.5k
Cash£35.5k£48.1k
Debtors£1.4k£1.4k
Net assets£21.9k£28.1k

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
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-04-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-10-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-07-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2024-07-05
    🔒
    Charge registered #3
    Lender: Clydesdale Bank PLC (Tradings as Virgin Money)
  6. 2024-01-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2024-01-05
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC (Trading as Virgin Money)
  8. 2023-12-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2023-12-08
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC (Trading as Virgin Money)
  10. 2023-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2023-01-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-10-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-12-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2016-10-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2016-01-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2007-01-11
    🏢
    Company incorporated
    As FRASER BRUCE PROPERTIES LTD.
  20. 2007-01-11
    ➕
    BRUCE, Maureen Elizabeth appointed
    secretary
  21. 2007-01-11
    ➕
    BRUCE, Andrew Fraser appointed
    director
  22. 2007-01-11
    ➕
    BRUCE, Euan Fraser appointed
    director
  23. 2007-01-11
    ➕
    BRUCE, Jamie Ross appointed
    director
  24. 2007-01-11
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  25. 2007-01-11
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  26. 2007-01-11
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  27. 2007-01-11
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

98/100
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
  • +Founder name in company name: Company name contains director surname "BRUCE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 79 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

83/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 19 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
Mr Andrew Fraser Bruce
Individual · British · DOB 01/1947 · age 79
25–50%
—25-50% shares06/04/2016

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
Incorporated2007-01-11
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Mill Hall
Stirling
FK7 7LT

Filing status

Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2027-01-25
Last: 2026-01-11

Officers (4 active · 2 resigned)

BRUCE, Maureen Elizabeth→
secretary · appointed 2007-01-11
View their other companies + combined net worth →
Active
BRUCE, Andrew Fraser→
director · ~79y · appointed 2007-01-11
View their other companies + combined net worth →
Active
BRUCE, Euan Fraser→
director · ~53y · appointed 2007-01-11
View their other companies + combined net worth →
Active
BRUCE, Jamie Ross→
director · ~50y · appointed 2007-01-11
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2007-01-11 · resigned 2007-01-11
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2007-01-11 · resigned 2007-01-11
Resigned

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

Mortgages & charges

3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC (Tradings as Virgin Money)
A registered charge1 property05/07/2024—
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Virgin Money)
A registered charge1 property05/01/2024—
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Virgin Money)
A registered charge—08/12/2023—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (54 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-11