DEREK A KIRK PROPERTIES LTD

💤Zombieactive
SC550708 · ltd · incorporated 2016-11-21
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
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 Mar 2025
Net worth
—
book net assets
Opportunity
69/100
Strong
🔔
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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. Reasonable fundamentals — worth a memo before deciding.

Opportunity 69/100 (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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

23 live charges · 3 lenders · oldest 7.5y

15/100
under pressure

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

  • · Oldest live charge is 7.5 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
23 charges (23/23 with lender, 23/23 with type)
90
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
55
Adequate — check latest filings for context.
Acquirability
50
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£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
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
0
filings
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
  1. 2025-08-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-11-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-07-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2023-07-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2023-07-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2023-07-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2023-07-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2023-07-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2023-07-10
    🔒
    Charge registered #23
    Lender: Shawbrook Bank Limited
  11. 2023-07-10
    🔒
    Charge registered #22
    Lender: Shawbrook Bank Limited
  12. 2023-07-10
    🔒
    Charge registered #21
    Lender: Shawbrook Bank Limited
  13. 2023-07-10
    🔒
    Charge registered #20
    Lender: Shawbrook Bank Limited
  14. 2023-07-10
    🔒
    Charge registered #19
    Lender: Shawbrook Bank Limited
  15. 2023-07-10
    🔒
    Charge registered #18
    Lender: Shawbrook Bank Limited
  16. 2022-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2022-09-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2022-09-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2022-09-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  20. 2022-07-01
    📄
    mortgage-charge-whole-release-with-charge-number
    mortgage · MR05
  21. 2022-02-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  22. 2022-01-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2022-01-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2022-01-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2022-01-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  26. 2022-01-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  27. 2021-12-23
    🔒
    Charge registered #17
    Lender: Paragon Bank PLC
  28. 2021-12-23
    🔒
    Charge registered #16
    Lender: Paragon Bank PLC
  29. 2021-12-23
    🔒
    Charge registered #15
    Lender: Paragon Bank PLC
  30. 2021-12-23
    🔒
    Charge registered #14
    Lender: Paragon Bank PLC
  31. 2021-12-23
    🔒
    Charge registered #13
    Lender: Paragon Bank PLC
  32. 2021-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  33. 2021-07-14
    ➖
    KIRK, Elizabeth Mary resigned
    director
  34. 2021-07-13
    🔒
    Charge registered #12
    Lender: Paragon Bank PLC
  35. 2021-06-03
    🔒
    Charge registered #11
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  36. 2021-06-03
    🔒
    Charge registered #10
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  37. 2021-06-03
    🔒
    Charge registered #9
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  38. 2021-06-03
    🔒
    Charge registered #8
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  39. 2021-06-03
    🔒
    Charge registered #7
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  40. 2021-06-03
    🔒
    Charge registered #5
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  41. 2021-06-02
    🔒
    Charge registered #6
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  42. 2021-05-18
    🔒
    Charge registered #4
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  43. 2021-05-18
    🔒
    Charge registered #3
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  44. 2021-03-30
    ➕
    KIRK, Elizabeth Mary appointed
    director
  45. 2018-11-29
    🔒
    Charge registered #2
    Lender: Paragon Bank PLC
  46. 2018-11-15
    🔒
    Charge registered #1
    Lender: Paragon Bank PLC
  47. 2016-11-21
    🏢
    Company incorporated
    As DEREK A KIRK PROPERTIES LTD
  48. 2016-11-21
    ➕
    KIRK, Derek Andrew appointed
    director

Owner dependency

90/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder name in company name: Company name contains director surname "KIRK" — strong identity link between founder and business.

Succession & seller-readiness

45/100
Moderate signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 low
23 live charges
low

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

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Derek Andrew Kirk
Individual · British · DOB 07/1976 · age 50
50–75%
50–75%50-75% shares · 50-75% voting21/11/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2016-11-21
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Muirhead Steadings
Cardenden
Lochgelly
KY5 0AU
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-04
Last: 2025-11-20

Officers (1 active · 1 resigned)

KIRK, Derek Andrew→
director · ~50y · appointed 2016-11-21
View their other companies + combined net worth →
Active
KIRK, Elizabeth Mary→
director · ~79y · appointed 2021-03-30 · resigned 2021-07-14
Resigned

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

Mortgages & charges

23
Total charges
23
Outstanding
3
Active lenders
Status:Lender:23 of 23 shown
TypeProperties
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property10/07/2023—
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property10/07/2023—
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property10/07/2023—
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property10/07/2023—
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property10/07/2023—
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property10/07/2023—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property23/12/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property23/12/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property23/12/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property23/12/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property23/12/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property13/07/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property03/06/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property03/06/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property03/06/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property03/06/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property03/06/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property03/06/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property02/06/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property18/05/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property18/05/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property29/11/2018—
outstanding
Paragon
Paragon Bank PLC / Paragon Mortgages (2010) Limited
A registered charge—15/11/2018—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (53 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-20
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-06