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Company No: SC051876 (Scotland)

S. & D. PROPERTIES (EDINBURGH) LIMITED

UNAUDITED FINANCIAL STATEMENTS
FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2024
PAGES FOR FILING WITH THE REGISTRAR

S. & D. PROPERTIES (EDINBURGH) LIMITED

UNAUDITED FINANCIAL STATEMENTS

FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2024

Contents

S. & D. PROPERTIES (EDINBURGH) LIMITED

BALANCE SHEET

AS AT 31 DECEMBER 2024
S. & D. PROPERTIES (EDINBURGH) LIMITED

BALANCE SHEET (continued)

AS AT 31 DECEMBER 2024
Note 2024 2023
£ £
Fixed assets
Tangible assets 3 66 245
Investment property 4 6,819,027 6,945,377
6,819,093 6,945,622
Current assets
Debtors 5 1,839,891 1,819,222
Cash at bank and in hand 324,240 264,768
2,164,131 2,083,990
Creditors: amounts falling due within one year 6 ( 3,156,409) ( 2,906,759)
Net current liabilities (992,278) (822,769)
Total assets less current liabilities 5,826,815 6,122,853
Creditors: amounts falling due after more than one year 7 ( 3,470,082) ( 2,796,258)
Provision for liabilities 8 ( 267,214) ( 190,148)
Net assets 2,089,519 3,136,447
Capital and reserves
Called-up share capital 9 1,100 1,100
Fair value reserve 1,973,696 2,029,893
Profit and loss account 114,723 1,105,454
Total shareholders' funds 2,089,519 3,136,447

For the financial year ending 31 December 2024 the Company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.

Director's responsibilities:

The financial statements of S. & D. Properties (Edinburgh) Limited (registered number: SC051876) were approved and authorised for issue by the Director on 29 September 2025. They were signed on its behalf by:

Ms C M Swan
Director
S. & D. PROPERTIES (EDINBURGH) LIMITED

NOTES TO THE FINANCIAL STATEMENTS

FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2024
S. & D. PROPERTIES (EDINBURGH) LIMITED

NOTES TO THE FINANCIAL STATEMENTS

FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2024
1. Accounting policies

The principal accounting policies are summarised below. They have all been applied consistently throughout the financial year and to the preceding financial year, unless otherwise stated.

General information and basis of accounting

S. & D. Properties (Edinburgh) Limited (the Company) is a private company, limited by shares, incorporated in the United Kingdom under the Companies Act 2006 and is registered in Scotland. The address of the Company's registered office is 79 West Regent Street, Suite 1/1, Glasgow, G2 2AW, United Kingdom.

The financial statements have been prepared under the historical cost convention, modified to include investment properties at fair value, and in accordance with Section 1A of Financial Reporting Standard 102 (FRS 102) ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland’ issued by the Financial Reporting Council and the requirements of the Companies Act 2006 as applicable to companies subject to the small companies regime.

The financial statements are presented in pounds sterling which is the functional currency of the Company and rounded to the nearest £.

Going concern

The directors have assessed the Balance Sheet and likely future cash flows at the date of approving these financial statements. The directors have a reasonable expectation that the Company has adequate resources to continue in operational existence and to meet its financial obligations as they fall due for at least 12 months from the date of signing these financial statements. Accordingly, they continue to adopt the going concern basis in preparing the financial statements.

The directors note that the business has net current liabilities of £992,278.

Group accounts exemption

Group accounts exemption s399
The Company has taken advantage of the exemption under section 399 of the Companies Act 2006 not to prepare consolidated accounts, on the basis that the group of which this is the parent qualifies as a small group. The financial statements present information about the Company as an individual entity and not about its group.

Foreign currency

Transactions in foreign currencies are recorded at the rate of exchange at the date of the transaction. Monetary assets and liabilities denominated in foreign currencies at the Balance Sheet date are reported at the rates of exchange prevailing at that date.

Exchange differences are recognised in the Profit and Loss Account in the period in which they arise except for exchange differences arising on gains or losses on non-monetary items which are recognised in the Statement of Comprehensive Income.

Turnover

Turnover represents net invoiced value of rents and management charges, excluding value added tax.

Employee benefits

Short term benefits
The cost of any unused holiday entitlement is recognised in the period in which the employee’s services are received.

Termination benefits are recognised as an expense when the Company is demonstrably committed to terminate the employment of an employee or to provide termination benefits.

Taxation

Current tax
Current tax is provided at amounts expected to be paid (or recoverable) using the tax rates and laws that have been enacted or substantively enacted at the Balance Sheet date.

Deferred tax
Deferred tax arises as a result of including items of income and expenditure in taxation computations in periods different from those in which they are included in the Company's financial statements. Deferred tax is provided in full on timing differences which result in an obligation to pay more or less tax at a future date, at the average tax rates that are expected to apply when the timing differences reverse, based on current tax rates and laws. Deferred tax assets and liabilities are not discounted.

The carrying amount of deferred tax assets are reviewed at each reporting date and a valuation allowance is set up against deferred tax assets so that the net carrying amount equals the highest amount that is more likely than not to be recovered based on current or future taxable profit.

Tangible fixed assets

Tangible fixed assets are stated at cost or valuation, net of depreciation and any provision for impairment. Depreciation is provided on all tangible fixed assets, other than investment property, at rates calculated to write off the cost or valuation, less estimated residual value, of each asset on a straight-line or reducing balance basis over its expected useful life, as follows:

Plant and machinery etc. 3 years straight line
Impairment of assets

Assets, other than those measured at fair value, are assessed for indicators of impairment at each Balance Sheet date. If there is objective evidence of impairment, an impairment loss is recognised in the Profit and Loss Account as described below.

Non-financial assets
At each balance sheet date, the company reviews its tangible assets to determine whether there is any indication that those assets have suffered an impairment loss.

If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any). The recoverable amount of an asset is the higher of its fair value less costs to sell and its value in use. In assessing value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset for which the estimates of future cash flows have not been adjusted.

Where it is not possible to estimate the recoverable amount of an individual asset, the company estimates the recoverable amount of the cash-generating unit to which the asset belongs. An impairment loss is recognised immediately in profit or loss, unless the relevant asset is carried at a revalued amount, in which case the impairment loss is treated as a revaluation decrease.

Investment property

Investment property is initially recognised at cost, which includes the purchase cost and any directly attributable expenditure. Subsequently it is measured at fair value at each reporting date with changes in fair value recognised in profit or loss. Deferred taxation is provided on these gains at the rate expected to apply when the property is sold.

The fair value is determined annually by the director, on an open market value for existing use basis.

Financial instruments

Financial assets and financial liabilities are recognised when the Company becomes a party to the contractual provisions of the instrument.

Basic financial assets
Basic financial assets, which include debtors and cash and bank balances, are measured at transaction price including transaction costs.

Basic financial liabilities
Basic financial liabilities, including creditors, bank loans and loans from fellow group companies are recognised at transaction price.

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of business from suppliers. Amounts payable are classified as current liabilities if payment is due within one year or less. Trade creditors are recognised at transaction price.

Equity instruments
Equity instruments issued by the Company are recorded at the fair value of cash or other resources received or receivable, net of direct issue costs. If payment is deferred and the time value of money is material, the initial measurement is on a present value basis. Dividends payable on equity instruments are recognised as liabilities once they are no longer at the discretion of the Company.

Provisions

Provisions are recognised when the Company has a present obligation (legal or constructive) as a result of a past event, it is probable that the Company will be required to settle that obligation and a reliable estimate can be made of the amount of the obligation.

The amount recognised as a provision is the best estimate of the consideration required to settle the present obligation at the Balance Sheet date, taking into account the risks and uncertainties surrounding the obligation. Where a provision is measured using the cash flows estimated to settle the present obligation, its carrying amount is the present value of those cash flows (when the effect of the time value of money is material).

When some or all of the economic benefits required to settle a provision are expected to be recovered from a third party, a receivable is recognised as an asset if it is virtually certain that reimbursement will be received and the amount of the receivable can be measured reliably.

2. Employees

2024 2023
Number Number
Monthly average number of persons employed by the Company during the year, including the director 6 6

3. Tangible assets

Plant and machinery etc. Total
£ £
Cost
At 01 January 2024 16,585 16,585
At 31 December 2024 16,585 16,585
Accumulated depreciation
At 01 January 2024 16,340 16,340
Charge for the financial year 179 179
At 31 December 2024 16,519 16,519
Net book value
At 31 December 2024 66 66
At 31 December 2023 245 245

4. Investment property

Investment property
£
Valuation
As at 01 January 2024 6,945,377
Additions 592
Fair value movement (44,269)
Disposals (91,093)
Amortisation of refinancing costs 8,420
As at 31 December 2024 6,819,027

The fair value of the investment property has been arrived at on the basis of a valuation carried out by the directors. The valuation was made on an open market basis by reference to market evidence of transaction prices for similar properties.

5. Debtors

2024 2023
£ £
Trade debtors 30,561 30,125
Amounts owed by related parties 1,763,894 1,720,537
Other debtors 45,436 68,560
1,839,891 1,819,222

6. Creditors: amounts falling due within one year

2024 2023
£ £
Bank loans (secured) 180,496 1,048,479
Trade creditors 12,318 4,241
Amounts owed to related parties 2,710,100 1,682,221
Taxation and social security 17,438 1,415
Other creditors 236,057 170,403
3,156,409 2,906,759

Bank loans are secured in favour of Bank of Scotland by standard security over the investment property portfolio, bond and floating charges over certain bank accounts. The bank loans are further secured by standard security over investment properties owned by S & D Properties (Investments) Ltd, a related company, and Town & City Investments, an undertaking belonging to G F Swan (director).

Other loans are secured over the investment properties to which they relate.

The Bank of Scotland plc loan included within S & D Properties (Investments) Ltd holds a bond and floating charge over 7 Rodney Street, Edinburgh and 404 Dumbarton Road, Glasgow.

A guarantee and indemnity of £600,000 and interest has been given to S & D Properties (Investments) Ltd.

7. Creditors: amounts falling due after more than one year

2024 2023
£ £
Bank loans (secured) 2,094,800 1,269,514
Other creditors 1,375,282 1,526,744
3,470,082 2,796,258

Bank loans are secured in favour of Bank of Scotland by standard security over the investment property portfolio, bond and floating charges over certain bank accounts. The bank loans are further secured by standard security over investment properties owned by S & D Properties (Investments) Ltd, a related company, and Town & City Investments, an undertaking belonging to G F Swan (director).

Other loans are secured over the investment properties to which they relate.

The Bank of Scotland plc loan included within S & D Properties (Investments) Ltd holds a bond and floating charge over 7 Rodney Street, Edinburgh and 404 Dumbarton Road, Glasgow.

A guarantee and indemnity of £600,000 and interest has been given to S & D Properties (Investments) Ltd.

Amounts repayable after more than 5 years are included in creditors falling due over one year:

2024 2023
£ £
Bank loans (secured / repayable by instalments) 1,389,488 772,698

8. Provision for liabilities

2024 2023
£ £
Deferred tax 267,214 190,148

9. Called-up share capital

2024 2023
£ £
Allotted, called-up and fully-paid
75 A ordinary shares of £ 1.00 each 75 75
25 B ordinary shares of £ 1.00 each 25 25
1,000 deferred ordinary shares of £ 1.00 each 1,000 1,000
1,100 1,100

10. Related party transactions

Other related party transactions

2024 2023
£ £
Amounts due to related parties 3,931,220 2,945,709
Amounts due from related parties 1,763,894 1,720,537

Amounts due to related parties are unsecured, interest free and have no fixed repayment terms.

Amounts due from Multi Trades (Glasgow Developments) Limited of £1,212,697 (2023: £1,203,033 ) are unsecured, interest free and have no fixed repayment terms.

Amounts due from S & D (Investments) Limited of £542,254(2023: £517,504 ) are unsecured, are charged interest at market rate and have no fixed repayment terms.

11. Ultimate controlling party

Parent Company:

G. F. Swan (Holdings) Limited
S&D Properties Group, 79 West Regent Street, Suite 1/1, Glasgow, G2 2AW