CEARNS PROPERTY LIMITED

🏛️Establishedactive
SC578780 · ltd · incorporated 2017-10-13
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 8.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£8.6k
book net assets
Opportunity
78/100
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 with a 67-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 8.2y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 8.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
19 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
65
Adequate — check latest filings for context.
Acquirability
70
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 · FRS 105 (micro)
Positive net assets
Net assets £8,617

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£9k
↑ 6.0% YoY
Current Assets
£312
↓ 67% YoY
Current Liabilities
—
£0£2k£3k£5k£7k£9kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£23.8k£27.7k
Current assets£312£944
Net assets£8.6k£8.1k

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 accounts
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
  1. 2025-12-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-08-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-06-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-10-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-02-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-07-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2018-11-20
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  9. 2018-02-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2018-02-05
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  11. 2018-02-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2018-01-29
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  13. 2017-10-13
    🏢
    Company incorporated
    As CEARNS PROPERTY LIMITED
  14. 2017-10-13
    ➕
    CAMPBELL, Neil appointed
    secretary
  15. 2017-10-13
    ➕
    CAMPBELL, Kyrine Morrison appointed
    director
  16. 2017-10-13
    ➕
    CAMPBELL, Neil appointed
    director
  17. 2017-10-13
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

81/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

56/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Neil Campbell
Individual · British · DOB 11/1959 · age 67
25–50%
—25-50% shares13/10/2017
Kyrine Morrison Campbell
Individual · British · DOB 10/1961 · age 65
25–50%
—25-50% shares13/10/2017

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

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
Incorporated2017-10-13
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

3 Cearn Chilleagraidh
Stornoway
Eilean Siar
HS1 2UJ
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-26
Last: 2025-10-12

Officers (3 active · 0 resigned)

CAMPBELL, Neil→
secretary · appointed 2017-10-13
View their other companies + combined net worth →
Active
CAMPBELL, Kyrine Morrison→
director · ~65y · appointed 2017-10-13
View their other companies + combined net worth →
Active
CAMPBELL, Neil→
director · ~67y · appointed 2017-10-13
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/02/2018—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—29/01/2018—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (19 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-29
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-09
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-12
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-12
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-08
change-account-reference-date-company-current-extended
accounts · AA01
2018-11-20