636 PROPERTY INVESTMENTS LTD
🌿Early-stageactive
SC775133 · ltd · incorporated 2023-07-08
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 Jun 2025
Net worth
£-10.6k
book net assets
Opportunity
65/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 65/100 (strong), bankability 52/100. 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. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
14 live charges · 5 lenders · oldest 1.8y
0/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.8 years old — likely still in initial term.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
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
14 charges (14/14 with lender, 14/14 with type)
90
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
65/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £10,556
Key financials
2 years extracted from filed iXBRL accountsCash
£12k
Net Worth
-£11k
↑ 66% YoY
Current Assets
£25k
↓ 40% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £289.7k | £-30.7k |
| Current assets | £25.0k | £41.8k |
| Cash | £12.4k | — |
| Debtors | £12.6k | — |
| Net assets | £-10.6k | £-30.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
3
filings
- • 2 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
- 2026-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-12🔒Charge registered #14Lender: Paratus Amc Limited
- 2025-12-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-03🔒Charge registered #13Lender: Shawbrook Bank Limited
- 2025-09-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-26🔒Charge registered #12Lender: Together Commercial Finance Limited
- 2025-09-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-23🔒Charge registered #11Lender: Together Commercial Finance Limited
- 2025-09-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-20🔒Charge registered #10Lender: Ryann Brookes
- 2025-06-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-16🔒Charge registered #9Lender: Aldermore Bank PLC
- 2025-04-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-28🔒Charge registered #8Lender: Together Commercial Finance Limited
- 2025-02-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-20🔒Charge registered #7Lender: Aldermore Bank PLC
- 2025-02-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-12-17🔓Charge satisfied #5
- 2024-12-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-05🔒Charge registered #6Lender: Paratus Amc Limited
- 2024-12-05🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2024-10-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-23🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2024-08-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-16🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2024-08-02📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-08-02📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-07-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-26🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2024-07-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-18🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2023-12-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-08➖PLANK, David resigneddirector
- 2023-11-11➕PLANK, David appointeddirector
- 2023-07-08🏢Company incorporatedAs 636 PROPERTY INVESTMENTS LTD
- 2023-07-08➕O'BRIEN, Neil James appointeddirector
Owner dependency
80/100
Critical — business is the founderThe 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.
- +Young company: Only 2.8 years old — management layer unlikely to be developed.
Succession & seller-readiness
45/100
Moderate signalSome 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 med · 1 low6 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-12: A registered charge; 2025-12-03: A registered charge; 2025-09-26: A registered charge
13 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Neil James O'Brien Individual · British · DOB 09/1997 · age 29 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control · trust interest · firm interest | 08/07/2023 |
1 historic (ceased) PSC
- Mr David Plankceased 08/12/2023· 25-50% shares · 25-50% voting · trust interest · firm interest
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 · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 78 BELMONT WEST LTD→ SC732832 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 8 INVESTMENTS SCOTLAND LTD→ SC686363 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 876 PROPERTIES LTD→ SC816665 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A & A PROPERTIES (SCOTLAND) LTD.→ SC275175 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| A ARAN'S SCOT LTD→ SC466524 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| A BALFOUR PROPERTY RENTALS LTD→ SC866177 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A1 CHIRO HOLDINGS LTD→ SC707037 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A3 HOLDINGS LTD→ SC676722 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A3L PROPERTY LTD→ SC830344 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AA PATRA LTD→ SC734303 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AA PROPERTY MANAGMENT SERVICES LTD→ SC871876 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AA1 HOLDINGS LIMITED→ SC855566 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Incorporated2023-07-08
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
1 Cambuslang Court
Cambuslang
Glasgow
Strathclyde
G32 8FH
United Kingdom
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-07-26
Last: 2025-07-12
Officers (1 active · 1 resigned)
O'BRIEN, Neil James→
Activedirector · ~29y · appointed 2023-07-08
View their other companies + combined net worth →
PLANK, David→
Resigneddirector · ~34y · appointed 2023-11-11 · resigned 2023-12-08
Click a director name to see their full track record across all companies.
Mortgages & charges
14
Total charges
13
Outstanding
5
Active lenders
Status:Lender:14 of 14 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 12/01/2026 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 3 properties | 03/12/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 3 properties | 26/09/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 23/09/2025 | — | |
| outstanding | Ryann Brookes | A registered charge | 1 property | 20/08/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 16/06/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 28/03/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 20/02/2025 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 2 properties | 05/12/2024 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 05/12/2024 | 17/12/2024 | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 23/09/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 16/08/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 26/07/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 18/07/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (29 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-21
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-03
mortgage-satisfy-charge-full
mortgage · MR04
2024-12-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-03