BORWICK & BROWN LTD

🌿Early-stageactive
SC768307 · ltd · incorporated 2023-05-04
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£3.5k
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Residents property management
Sector: Activities of households
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -57% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

1 live charge · oldest 2.6y

10/100
under pressure

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

  • · Newest facility, 2.6 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

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
1 charges (1/1 with lender, 1/1 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
1 connected companies via shared directors
48
Filing history
11 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
72/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £3,506
Cash draining
Cash down 57% YoY
Cash YoY
-57%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£4k
↓ 57% YoY
Net Worth
£4k
↑ 22% YoY
Current Assets
£4k
↓ 57% YoY
Current Liabilities
—
£0£2k£3k£5k£7k£9kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Total assets£62.1k£62.0k
Current assets£3.8k£8.7k
Cash£3.8k£8.7k
Net assets£3.5k£2.9k

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
1
filing
  • • 1 address
Last 90 days
1
filing
  • • 1 address
Last 180 days
1
filing
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
  1. 2026-04-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-09-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-05-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-05-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-05-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2025-05-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2025-01-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-10-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2023-09-29
    🔒
    Charge registered #1
    Lender: Aldermore Bank PLC
  10. 2023-05-04
    🏢
    Company incorporated
    As BORWICK & BROWN LTD
  11. 2023-05-04
    ➕
    BORWICK, Ross appointed
    director
  12. 2023-05-04
    ➕
    BROWN, Alexander appointed
    director
  13. 2023-05-04
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

78/100
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.
  • +Founder name in company name: Company name contains director surname "BORWICK" — strong identity link between founder and business.
  • +Young company: Only 3.0 years old — management layer unlikely to be developed.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • 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
Mr Alexander Brown
Individual · British · DOB 12/1993 · age 33
25–50%
25–50%25-50% shares · 25-50% voting04/05/2023
Mr Ross Borwick
Individual · British · DOB 03/2000 · age 26
25–50%
25–50%25-50% shares · 25-50% voting04/05/2023

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.

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Company details

Statusactive
Typeltd
Incorporated2023-05-04
Jurisdictionscotland
Primary SIC98000 — Residents property management

Registered office

Duneden Business Centre C/O Cik Accounting Solutions
8 Harrison Road
Dundee
DD2 3SN
Scotland

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-05-17
Last: 2025-05-03

Officers (2 active · 0 resigned)

BORWICK, Ross→
director · ~26y · appointed 2023-05-04
View their other companies + combined net worth →
Active
BROWN, Alexander→
director · ~33y · appointed 2023-05-04
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property29/09/2023—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (11 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-24
change-person-director-company-with-change-date
officers · CH01
2025-05-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-08
change-person-director-company-with-change-date
officers · CH01
2025-05-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-20
incorporation-company
incorporation · NEWINC
2023-05-04