BOWDEN ASSETS LTD.

🌳Matureactive
SC376173 · ltd · incorporated 2010-04-06
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Why now
Window opening · medium confidence
More negotiable than before — 1 signals weakening over the last 30 days.
  • · Refinance opportunity: ready → under_pressure
What changed my view
Last 30 days

Picture worsened over the last 30 days — 1 negative signal vs 0 positive.

  • ↓Refinance opportunity: ready → under_pressure
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 Apr 2025
Net worth
£521.3k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 82/100 (exceptional), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 12.3y

45/100
under pressure

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

  • · Oldest live charge is 12.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (87/100)

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

Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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 £521,315
Cash YoY
-20%
Year on year

Key financials

3 years extracted from filed iXBRL accounts
Cash
£35k
↓ 20% YoY
Net Worth
£521k
↑ 445% YoY
Current Assets
£96k
↑ 2.4% YoY
Current Liabilities
—
£0£104k£209k£313k£417k£521kApr 2023Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-302023-04-30
Total assets£619.5k£95.7k—
Current assets£95.6k£93.4k—
Cash£34.8k£43.4k—
Debtors£60.7k£50.0k—
Net assets£521.3k£95.7k—

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 accounts
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-05-14
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2023-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-07-01
    ➕
    BOWDEN, Cameron Clark appointed
    director
  7. 2022-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-04-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-01-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-11-19
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2019-11-19
    🔓
    Charge satisfied #2
  12. 2018-11-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-01-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-05-03
    📄
    accounts-amended-with-accounts-type-total-exemption-small
    accounts · AAMD
  16. 2016-04-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2016-01-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2014-07-21
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  19. 2014-02-09
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  20. 2011-09-01
    ➕
    BOWDEN, Shirley-Ann Gerrard appointed
    director
  21. 2011-05-27
    ➖
    HMS SECRETARIES LIMITED resigned
    corporate-secretary
  22. 2010-04-19
    ➕
    BOWDEN, Frederick James appointed
    director
  23. 2010-04-19
    ➖
    MUNRO, Donald John resigned
    director
  24. 2010-04-19
    ➖
    HMS DIRECTORS LIMITED resigned
    corporate-director
  25. 2010-04-06
    🏢
    Company incorporated
    As BOWDEN ASSETS LTD.
  26. 2010-04-06
    ➕
    HMS SECRETARIES LIMITED appointed
    corporate-secretary
  27. 2010-04-06
    ➕
    MUNRO, Donald John appointed
    director
  28. 2010-04-06
    ➕
    HMS DIRECTORS LIMITED appointed
    corporate-director

Owner dependency

91/100
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 "BOWDEN" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

23/100
No succession signal

No meaningful acquirability indicators from public data.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — BOWDEN, Cameron Clark (same surname) appointed 2022-07-01. Pattern consistent with intra-family handover.
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 16 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 Frederick James Bowden
Individual · British · DOB 07/1964 · age 62
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest06/04/2017

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

6 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
Incorporated2010-04-06
Jurisdictionscotland
Primary SIC41100 — Development of building projects

Registered office

17 Queens Den
Aberdeen
AB15 8BW

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-04-20
Last: 2026-04-06

Officers (3 active · 3 resigned)

BOWDEN, Cameron Clark→
director · ~36y · appointed 2022-07-01
View their other companies + combined net worth →
Active
BOWDEN, Frederick James→
director · ~62y · appointed 2010-04-19
View their other companies + combined net worth →
Active
BOWDEN, Shirley-Ann Gerrard→
director · ~62y · appointed 2011-09-01
View their other companies + combined net worth →
Active
HMS SECRETARIES LIMITED→
corporate-secretary · appointed 2010-04-06 · resigned 2011-05-27
Resigned
MUNRO, Donald John→
director · ~55y · appointed 2010-04-06 · resigned 2010-04-19
Resigned
HMS DIRECTORS LIMITED→
corporate-director · appointed 2010-04-06 · resigned 2010-04-19
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property21/07/201419/11/2019
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property09/02/2014—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (45 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-14
appoint-person-director-company-with-name-date
officers · AP01
2023-05-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-15