A & G RESIDENTIAL PROPERTY LTD
🌱Startupactive
SC838787 · ltd · incorporated 2025-02-24
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 77/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 0.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.7 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (56/100)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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 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
5 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
3
filings
- • 1 confirmation-statement
- • 1 accounts
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (9 events)Click to expand
- 2026-02-23📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-11-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-24🔒Charge registered #2Lender: Aldermore Bank PLC
- 2025-08-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-14🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2025-02-24🏢Company incorporatedAs A & G RESIDENTIAL PROPERTY LTD
- 2025-02-24➕SCOTT, Anne Elizabeth appointeddirector
- 2025-02-24➕SCOTT, Graham Douglas appointeddirector
- 2025-02-24📄incorporation-companyincorporation · NEWINC
Owner dependency
79/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 1.2 years old — management layer unlikely to be developed.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Graham Douglas Scott Individual · British · DOB 04/1966 · age 60 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 24/02/2025 |
Mrs Anne Elizabeth Scott Individual · British · DOB 07/1966 · age 60 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 24/02/2025 |
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.
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| ASG COMMERCIAL LIMITED→ SC680776 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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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.
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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.
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See pricing →Company details
Statusactive
Typeltd
Incorporated2025-02-24
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
10 Ardross Street
Inverness
IV3 5NS
Scotland
Filing status
Accounts
Next due: 2026-11-24
Last made up to: —
Confirmation statement
Next due: 2027-03-09
Last: 2026-02-23
Officers (2 active · 0 resigned)
SCOTT, Anne Elizabeth→
Activedirector · ~60y · appointed 2025-02-24
View their other companies + combined net worth →
SCOTT, Graham Douglas→
Activedirector · ~60y · appointed 2025-02-24
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 24/10/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 14/08/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (5 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-24
change-account-reference-date-company-current-extended
accounts · AA01
2026-02-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-22
incorporation-company
incorporation · NEWINC
2025-02-24