CK PROPERTY INVESTMENTS & LETTINGS LTD

🌳Matureactive
SC534072 · ltd · incorporated 2016-04-29
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 Apr 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 71/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (58/100).

🏦

Refinance opportunity

10 live charges · 3 lenders · oldest 6.5y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 6.5 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
38 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Average employees100100

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
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2026-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-08-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-08-02
    🔒
    Charge registered #10
    Lender: The Mortgage Lender Limited
  5. 2024-04-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2024-04-15
    🔒
    Charge registered #9
    Lender: The Mortgage Works (UK) PLC
  7. 2024-02-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-12-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2023-12-12
    🔒
    Charge registered #8
    Lender: Shawbrook Bank Limited
  10. 2023-10-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2023-10-31
    🔓
    Charge satisfied #4
  12. 2023-10-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2023-10-16
    🔒
    Charge registered #7
    Lender: The Mortgage Works (UK) PLC
  14. 2023-04-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2023-04-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2023-04-03
    🔒
    Charge registered #6
    Lender: The Mortgage Works (UK) PLC
  17. 2023-01-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2023-01-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2023-01-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  20. 2022-12-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2022-12-12
    ➕
    MACDONALD, Kelly appointed
    director
  22. 2022-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2021-10-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2021-10-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2021-10-05
    🔒
    Charge registered #5
    Lender: The Mortgage Lender Limited
  26. 2021-10-05
    🔒
    Charge registered #4
    Lender: The Mortgage Lender Limited
  27. 2021-04-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  28. 2019-12-03
    🔒
    Charge registered #3
    Lender: The Mortgage Lender Limited
  29. 2019-12-03
    🔒
    Charge registered #2
    Lender: The Mortgage Lender Limited
  30. 2019-12-03
    🔒
    Charge registered #1
    Lender: The Mortgage Lender Limited
  31. 2016-04-29
    🏢
    Company incorporated
    As CK PROPERTY INVESTMENTS & LETTINGS LTD
  32. 2016-04-29
    ➕
    MACDONALD, Christopher James appointed
    director

Owner dependency

71/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

41/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low
9 live charges
low

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Christopher James Macdonald
Individual · Scottish · DOB 08/1984 · age 42
50–75%
50–75%board control50-75% shares · 50-75% voting · board control01/01/2017
Mrs Kelly Macdonald
Individual · Scottish · DOB 05/1976 · age 50
25–50%
25–50%25-50% shares · 25-50% voting20/12/2022

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 · DD postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
J & E NOMINEES LIMITED→
SC237007 · est 2002
£3.06M
£2.60M–£3.52M
—£3.06M—23y8366y
ABZCO LTD.→
SC223809 · est 2001
£655.5k
£557.2k–£753.9k
—£655.5k—24y8277y
MNA (SCOTLAND) LIMITED→
SC283813 · est 2005
£637.9k
£542.2k–£733.6k
—£637.9k—21y8360y
STATION WORKS PROPERTIES LTD.→
SC083127 · est 1983
£39.9k
£33.9k–£45.9k
—£39.9k—42y8379y
THE OLD MILL COMPANY (DUNDEE) LIMITED→
SC250344 · est 2003
£16.4k
£13.9k–£18.9k
—£16.4k—22y8362y
LOW HOLDINGS (SCOTLAND) LIMITED→
SC412906 · est 2011
———40014y8474y
CKS PROPERTIES LIMITED→
SC295259 · est 2006
———520y8367y
EAST OF SCOTLAND COLOUR PRINT LIMITED→
SC343575 · est 2008
———417y8363y
H & H PROPERTIES (UK) LIMITED→
SC267997 · est 2004
———230021y8373y
PANMURE NEWS LIMITED→
SC336255 · est 2008
———018y8362y
RDA PROPERTIES LIMITED→
SC232593 · est 2002
———023y8385y
WESTWATER ESTATES LIMITED→
SC288351 · est 2005
———30020y8360y
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated2016-04-29
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

4 Watson Way
Muirdrum
Carnoustie
Angus
DD7 6JX
Scotland

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-12-27
Last: 2025-12-13

Officers (2 active · 0 resigned)

MACDONALD, Christopher James→
director · ~42y · appointed 2016-04-29
View their other companies + combined net worth →
Active
MACDONALD, Kelly→
director · ~50y · appointed 2022-12-12
View their other companies + combined net worth →
Active

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

Mortgages & charges

10
Total charges
9
Outstanding
3
Active lenders
Status:Lender:10 of 10 shown
TypeProperties
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property02/08/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property15/04/2024—
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property12/12/2023—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property16/10/2023—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property03/04/2023—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property05/10/2021—
satisfied
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property05/10/202131/10/2023
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property03/12/2019—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property03/12/2019—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property03/12/2019—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (38 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-13
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-04-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-12