UPLAND PROPERTIES LTD

🌳Matureactive
SC435288 · ltd · incorporated 2012-10-23
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 13.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£9.19M
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Active trading company with a 84-year-old founder — textbook succession opportunity.

Opportunity 74/100 (strong), bankability 65/100. Strong seller-intent signal (63/100, director aged 84). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

29 live charges · 2 lenders · oldest 13.1y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 13.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: high (83/100)

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

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
29 charges (29/29 with lender, 29/29 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
26 connected companies via shared directors
90
Filing history
97 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
75
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 declared
Positive net assets
Net assets £9,185,726
Cash YoY
+33%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£379k
↑ 33% YoY
Net Worth
£9.2m
↑ 3.1% YoY
Current Assets
£1.9m
↓ 1.7% YoY
Current Liabilities
—
£0£1.8m£3.7m£5.5m£7.3m£9.2mOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Total assets£14.02M£14.04M
Current assets£1.92M£1.96M
Cash£379.0k£285.0k
Debtors£953.5k£1.08M
Net assets£9.19M£8.91M

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
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (83 events)Click to expand
  1. 2025-07-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-05-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2023-05-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2023-05-09
    🔒
    Charge registered #29
    Lender: Santander UK PLC
  7. 2023-05-09
    🔒
    Charge registered #28
    Lender: Santander UK PLC
  8. 2023-05-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2023-05-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2023-05-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2023-04-20
    🔒
    Charge registered #27
    Lender: Santander UK PLC
  12. 2023-04-20
    🔒
    Charge registered #26
    Lender: Santander UK PLC
  13. 2023-04-20
    🔒
    Charge registered #25
    Lender: Santander UK PLC
  14. 2022-10-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-10-28
    📄
    accounts-with-accounts-type-small
    accounts · AA
  16. 2021-08-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2021-08-21
    🔓
    Charge satisfied #11
  18. 2021-08-18
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2021-08-18
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2021-08-18
    🔓
    Charge satisfied #19
  21. 2021-08-18
    🔓
    Charge satisfied #7
  22. 2021-08-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  23. 2021-08-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  24. 2021-08-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  25. 2021-08-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  26. 2021-08-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  27. 2021-08-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  28. 2021-08-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  29. 2021-08-03
    🔓
    Charge satisfied #20
  30. 2021-08-03
    🔓
    Charge satisfied #16
  31. 2021-08-03
    🔓
    Charge satisfied #15
  32. 2021-08-03
    🔓
    Charge satisfied #12
  33. 2021-08-03
    🔓
    Charge satisfied #23
  34. 2021-08-03
    🔓
    Charge satisfied #10
  35. 2021-08-03
    🔓
    Charge satisfied #6
  36. 2021-08-03
    🔓
    Charge satisfied #5
  37. 2021-08-03
    🔓
    Charge satisfied #3
  38. 2021-08-03
    🔓
    Charge satisfied #2
  39. 2021-08-03
    🔓
    Charge satisfied #1
  40. 2021-06-02
    🔓
    Charge satisfied #24
  41. 2021-06-02
    🔓
    Charge satisfied #21
  42. 2021-06-02
    🔓
    Charge satisfied #8
  43. 2021-06-02
    🔓
    Charge satisfied #4
  44. 2020-09-11
    ➕
    GERRARD, Gary James appointed
    director
  45. 2020-09-11
    ➕
    MACLENNAN, Fiona appointed
    director
  46. 2016-11-16
    🔓
    Charge satisfied #18
  47. 2016-11-16
    🔓
    Charge satisfied #17
  48. 2016-11-16
    🔓
    Charge satisfied #14
  49. 2016-11-16
    🔓
    Charge satisfied #13
  50. 2016-11-16
    🔓
    Charge satisfied #9
Showing most recent 50 of 83 events

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Founder age: Director aged approximately 84 — succession pressure is live.

Succession & seller-readiness

73/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 13 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Upland Properties Investment Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Upland Properties Investment Holdings Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
UPLAND PROPERTIES LTD
This company · SC435288

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Upland Properties Investment Holdings Ltd
Corporate entity
75–100%
—75-100% shares27/06/2017
1 historic (ceased) PSC
  • Upland Developments Limitedceased 27/06/2017· 75-100% shares

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
Incorporated2012-10-23
Jurisdictionscotland
Primary SIC41100 — Development of building projects

Registered office

First Floor
111 Grampian Road
Aviemore
Inverness-Shire
PH22 1RH

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-11-06
Last: 2025-10-23

Officers (3 active · 3 resigned)

CAMERON, David John→
director · ~84y · appointed 2012-11-05
View their other companies + combined net worth →
Active
GERRARD, Gary James→
director · ~61y · appointed 2020-09-11
View their other companies + combined net worth →
Active
MACLENNAN, Fiona→
director · ~56y · appointed 2020-09-11
View their other companies + combined net worth →
Active
HMS SECRETARIES LIMITED→
corporate-secretary · appointed 2012-10-23 · resigned 2012-11-05
Resigned
MUNRO, Donald John→
director · ~55y · appointed 2012-10-23 · resigned 2012-11-05
Resigned
HMS DIRECTORS LIMITED→
corporate-director · appointed 2012-10-23 · resigned 2012-11-05
Resigned

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

Mortgages & charges

29
Total charges
5
Outstanding
1
Active lenders
Status:Lender:29 of 29 shown
TypeProperties
outstanding
Santander
Santander UK PLC
A registered charge1 property09/05/2023—
outstanding
Santander
Santander UK PLC
A registered charge2 properties09/05/2023—
outstanding
Santander
Santander UK PLC
A registered charge1 property20/04/2023—
outstanding
Santander
Santander UK PLC
A registered charge1 property20/04/2023—
outstanding
Santander
Santander UK PLC
A registered charge1 property20/04/2023—
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property03/12/201502/06/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201315/11/2016
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201302/06/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201318/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201316/11/2016
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201316/11/2016
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201316/11/2016
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201316/11/2016
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201321/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property09/04/201318/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property08/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property08/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property08/04/201316/11/2016
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property08/04/201302/06/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property08/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property08/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property08/04/201302/06/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property08/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge2 properties08/04/201303/08/2021
satisfied
Barclays
Barclays Bank PLC
Floating charge1 property26/03/201303/08/2021
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (97 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-14
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-09
accounts-with-accounts-type-small
accounts · AA
2021-10-28