INNERPEFFRAY PROPERTIES LIMITED

🌿Early-stageactive
SC809581 · ltd · incorporated 2024-05-07
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.
Why now
Window closing · medium confidence
Getting harder to buy cheaply — 1 signals strengthening over the last 30 days.
  • · Lifecycle stage: startup → early
  • · Bankability: 70 → 75
What changed my view
Last 30 days

Picture improved over the last 30 days — 1 positive signal vs 0 negative.

  • ·Lifecycle stage: startup → early
  • ↑Bankability: 70 → 75
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 May 2025
Net worth
£-12.8k
book net assets
Opportunity
71/100
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
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 71/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

1 live charge · oldest 0.6y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 0.6 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (73/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
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
18 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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Negative net assets
Liabilities exceed assets by £12,788

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
-£13k
Current Assets
£146k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-05-31
Total assets£-12.8k
Current assets£146.4k
Net assets£-12.8k

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 confirmation-statement
  • • 1 capital
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-02-24
    📄
    capital-allotment-shares
    capital · SH01
  2. 2025-12-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-11-25
    🔒
    Charge registered #1
    Lender: Paragon Bank PLC
  4. 2025-09-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-11-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2024-11-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-11-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2024-11-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2024-11-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2024-11-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2024-11-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2024-11-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2024-11-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2024-11-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2024-11-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2024-10-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2024-05-07
    🏢
    Company incorporated
    As INNERPEFFRAY PROPERTIES LIMITED
  18. 2024-05-07
    ➕
    THOW, Alan appointed
    director
  19. 2024-05-07
    ➕
    THOW, Georgina appointed
    director
  20. 2024-05-07
    📄
    incorporation-company
    incorporation · NEWINC

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.
  • +Young company: Only 2.2 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Alan Thow
Individual · British · DOB 01/1982 · age 44
25–50%
25–50%25-50% shares · 25-50% voting07/05/2024
Mrs Georgina Thow
Individual · British · DOB 03/1990 · age 36
25–50%
25–50%25-50% shares · 25-50% voting07/05/2024

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
Incorporated2024-05-07
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Unit 2 Bridgend Industrial Estate
Muthill Road
Crieff
PH7 4HQ
Scotland

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-03-10
Last: 2026-02-24

Officers (2 active · 0 resigned)

THOW, Alan→
director · ~44y · appointed 2024-05-07
View their other companies + combined net worth →
Active
THOW, Georgina→
director · ~36y · appointed 2024-05-07
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
Paragon
Paragon Bank PLC
A registered charge1 property25/11/2025—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (18 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-24
capital-allotment-shares
capital · SH01
2026-02-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-05
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-14
change-person-director-company-with-change-date
officers · CH01
2024-11-13
change-person-director-company-with-change-date
officers · CH01
2024-11-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-13
change-person-director-company-with-change-date
officers · CH01
2024-11-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-13
change-person-director-company-with-change-date
officers · CH01
2024-11-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-13