CROSSFORD PROPERTIES LIMITED
🌳Matureactive
SC410432 · ltd · incorporated 2011-11-01
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 Nov 2024
Net worth
£355.6k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Management of real estate on a fee or contract basis
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 66-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, 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
7 live charges · 3 lenders · oldest 10.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 10.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
43 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
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
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 £355,620
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£356k
↑ 20% YoY
Current Assets
£5k
↓ 61% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £355.6k | £767.8k |
| Current assets | £5.5k | £14.0k |
| Net assets | £355.6k | £296.3k |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2025-08-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-07-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-18🔓Charge satisfied #3
- 2021-01-18🔓Charge satisfied #2
- 2021-01-18🔓Charge satisfied #1
- 2020-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-02-13🔒Charge registered #7Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2020-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-17🔒Charge registered #6Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2020-01-17🔒Charge registered #5Lender: Clydesdale Bank PLC (Trading as Clydesdale Bank and Yorkshire Bank)
- 2019-10-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-09🔒Charge registered #4Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2019-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-04-05🔒Charge registered #3Lender: National Westminster Bank PLC
- 2016-04-04🔒Charge registered #2Lender: National Westminster Bank PLC
- 2016-02-26🔒Charge registered #1Lender: National Westminster Bank PLC
- 2011-11-01🏢Company incorporatedAs CROSSFORD PROPERTIES LIMITED
- 2011-11-01➕CROZIER, Elaine appointeddirector
- 2011-11-01➕CROZIER, Mark appointeddirector
- 2011-11-01➕CROZIER, Stephen Mark appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mark Crozier Individual · Scottish · DOB 04/1990 · age 36 | 25–50% | — | 25-50% shares | 01/10/2016 |
Mt Stephen Mark Crozier Individual · Scottish · DOB 03/1960 · age 66 | 25–50% | — | 25-50% shares | 01/10/2016 |
Mrs Elaine Crozier Individual · Scottish · DOB 08/1960 · age 66 | — | — | sig. influencesignificant influence | 01/10/2016 |
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 · PH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| D.M. MACKINNON ESTATES LTD.→ SC239892 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| DC PROPERTY (SCOTLAND) LTD→ SC770715 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DMJ PROPERTIES PERTH LTD→ SC828828 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| E M PROPERTIES (SCOTLAND) LTD→ SC851154 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ELMCLIFF LIMITED→ SC151114 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
| EMBDEN INVESTMENTS (3) LIMITED→ SC293942 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| EMBDEN INVESTMENTS (6) LIMITED→ SC318888 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| EMBDEN INVESTMENTS 12 LIMITED→ SC414176 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| ESKHILL SERVICES LTD→ SC860225 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ETCHACHAN PROPERTY LIMITED→ SC762240 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ETIVE ECOLOGY LIMITED→ SC446898 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| EVERT PROPERTY LIMITED→ SC187426 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
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
Incorporated2011-11-01
Jurisdictionscotland
Primary SIC68320 — Management of real estate on a fee or contract basis
Registered office
Crossford Cottage
Montague
Balbeggie
Perthshire
PH2 7PW
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-15
Last: 2025-11-01
Officers (3 active · 0 resigned)
CROZIER, Elaine→
Activedirector · ~66y · appointed 2011-11-01
View their other companies + combined net worth →
CROZIER, Mark→
Activedirector · ~36y · appointed 2011-11-01
View their other companies + combined net worth →
CROZIER, Stephen Mark→
Activedirector · ~66y · appointed 2011-11-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
4
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | 1 property | 13/02/2020 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | 1 property | 17/01/2020 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Clydesdale Bank and Yorkshire Bank) | A registered charge | 1 property | 17/01/2020 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | — | 09/10/2019 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 05/04/2016 | 18/01/2021 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 04/04/2016 | 18/01/2021 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 26/02/2016 | 18/01/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (43 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-04
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-12-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-01
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-10
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-01
change-person-director-company-with-change-date
officers · CH01
2022-11-01
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-01
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-10
mortgage-satisfy-charge-full
mortgage · MR04
2021-01-18
mortgage-satisfy-charge-full
mortgage · MR04
2021-01-18