ISLA MINES LIMITED

🌳Matureactive
SC046946 · ltd · incorporated 1969-10-03
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 49.7y old — refinance window within 12 months
🔒Estimated value
Upgrade to see
Turnover
year to Mar 2025
Net worth
£1.43M
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Asset-holding vehicle with a 74-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (73/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 49.7y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 49.7 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 20/100 — clean.

Data confidence

Overall: high (84/100)

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
21 officers (7 active, 21 linked, 16 with DOB)
85
Ownership & PSC
3 active PSC(s) of 5 total, 5 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
146 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
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,428,357
Net assets shrinking
Down £225,464 YoY
Cash YoY
+2537%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£609k
↑ 2537% YoY
Net Worth
£1.4m
↓ 14% YoY
Current Assets
Current Liabilities
£0£331k£662k£992k£1.3m£1.7mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Cash£608.6k£23.1k
Net assets£1.43M£1.65M

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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • 1 miscellaneous
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (56 events)Click to expand
  1. 2026-02-13
    📄
    legacy
    miscellaneous · RP01PSC01
  2. 2025-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-09-25
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-09-25
    🔓
    Charge satisfied #4
  6. 2024-09-24
    GAMMELL, Jennifer Elizabeth appointed
    secretary
  7. 2024-09-24
    GAMMELL, Patrick Robertson resigned
    secretary
  8. 2024-09-24
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  9. 2024-09-24
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  10. 2024-09-24
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  11. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2023-02-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2023-02-15
    🔓
    Charge satisfied #1
  14. 2023-02-06
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  15. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2022-03-10
    LEGGATE, Peter James Arthur resigned
    director
  17. 2022-03-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2022-03-10
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  19. 2021-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2020-10-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2020-09-08
    GAMMELL, Rory Geoffrey appointed
    director
  22. 2020-08-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2019-10-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2019-09-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  25. 2019-09-24
    GAMMELL, James Roderick resigned
    director
  26. 2018-09-26
    GAMMELL, Deborah Jayne appointed
    director
  27. 2018-09-26
    GAMMELL, Susannah Claire resigned
    director
  28. 2012-03-14
    GAMMELL, Jennifer Elizabeth appointed
    director
  29. 2012-03-14
    LEGGATE, Jennifer Susan resigned
    director
  30. 2012-03-14
    LEGGATE, Peter James Arthur appointed
    director
  31. 2011-10-04
    GAMMELL, James Roderick appointed
    director
  32. 2011-06-01
    GAMMELL, Patrick Robertson appointed
    secretary
  33. 2011-06-01
    GAMMELL, William Benjamin Bowring, Sir resigned
    secretary
  34. 2009-08-20
    GAMMELL, Andrew John resigned
    director
  35. 2009-08-20
    LEGGATE, Peter James Arthur resigned
    director
  36. 2009-07-30
    GAMMELL, Patrick Robertson appointed
    director
  37. 2009-07-30
    LEGGATE, Jennifer Susan appointed
    director
  38. 2008-05-13
    GAMMELL, Susannah Claire appointed
    director
  39. 2006-10-14
    🔓
    Charge satisfied #3
  40. 2005-10-26
    GAMMELL, Matthew David Malcolm appointed
    director
  41. 2003-01-28
    🔒
    Charge registered #4
    Lender: The Governor and Company of the Bank of Scotland
  42. 2000-09-15
    🔒
    Charge registered #3
    Lender: Bellway Homes Limited
  43. 1993-07-01
    GAMMELL, William Benjamin Bowring, Sir appointed
    director
  44. 1993-07-01
    GAMMELL, Andrew John appointed
    director
  45. 1993-07-01
    GAMMELL, Geraldine Elizabeth resigned
    director
  46. 1993-05-20
    GAMMELL, William Benjamin Bowring, Sir appointed
    secretary
  47. 1993-05-20
    CASTLE CAIRN (FINANCIAL SERVICES) LIMITED resigned
    corporate-secretary
  48. 1992-11-24
    GAMMELL, Geraldine Elizabeth appointed
    director
  49. 1992-11-24
    GAMMELL, James Edward Bowring resigned
    director
  50. 1992-11-24
    GAMMELL, William Benjamin Bowring, Sir resigned
    director
Showing most recent 50 of 56 events

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -6 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 74 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Sir William Benjamin Bowring Gammell
Individual · British · DOB 12/1952 · age 74
sig. influencesignificant influence06/04/2016
Mr Peter Joshua Thomas Gammell
Individual · British · DOB 01/1957 · age 69
sig. influencesignificant influence06/04/2016
Mr Robert Bryan Timmons
Individual · British · DOB 10/1948 · age 78
sig. influencesignificant influence06/04/2016
2 historic (ceased) PSCs
  • Mr Peter James Arthur Leggateceased 10/03/2022· significant influence
  • Mr Andrew John Gammellceased 26/09/2018· significant influence

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
Incorporated1969-10-03
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

31 Ravelston Dykes
Edinburgh
EH12 6HG

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-28
Last: 2025-06-14

Officers (7 active · 14 resigned)

GAMMELL, Jennifer Elizabeth
secretary · appointed 2024-09-24
View their other companies + combined net worth →
Active
GAMMELL, Deborah Jayne
director · ~42y · appointed 2018-09-26
View their other companies + combined net worth →
Active
GAMMELL, Jennifer Elizabeth
director · ~49y · appointed 2012-03-14
View their other companies + combined net worth →
Active
GAMMELL, Matthew David Malcolm
director · ~51y · appointed 2005-10-26
View their other companies + combined net worth →
Active
GAMMELL, Patrick Robertson
director · ~71y · appointed 2009-07-30
View their other companies + combined net worth →
Active
GAMMELL, Rory Geoffrey
director · ~40y · appointed 2020-09-08
View their other companies + combined net worth →
Active
GAMMELL, William Benjamin Bowring, Sir
director · ~74y · appointed 1993-07-01
View their other companies + combined net worth →
Active
BENNIE, Alexander
secretary · resigned 1990-05-14
Resigned
GAMMELL, Patrick Robertson
secretary · appointed 2011-06-01 · resigned 2024-09-24
Resigned
GAMMELL, William Benjamin Bowring, Sir
secretary · appointed 1993-05-20 · resigned 2011-06-01
Resigned
CASTLE CAIRN (FINANCIAL SERVICES) LIMITED
corporate-secretary · appointed 1990-05-14 · resigned 1993-05-20
Resigned
GAMMELL, Andrew John
director · ~78y · appointed 1993-07-01 · resigned 2009-08-20
Resigned
GAMMELL, Geraldine Elizabeth
director · ~71y · appointed 1992-11-24 · resigned 1993-07-01
Resigned
GAMMELL, James Roderick
director · ~50y · appointed 2011-10-04 · resigned 2019-09-24
Resigned
GAMMELL, James Edward Bowring
director · ~80y · resigned 1992-11-24
Resigned
GAMMELL, Susannah Claire
director · ~48y · appointed 2008-05-13 · resigned 2018-09-26
Resigned
GAMMELL, William Benjamin Bowring, Sir
director · ~74y · resigned 1992-11-24
Resigned
LEGGATE, Jennifer Susan
director · ~75y · appointed 2009-07-30 · resigned 2012-03-14
Resigned
LEGGATE, Peter James Arthur
director · ~83y · appointed 2012-03-14 · resigned 2022-03-10
Resigned
LEGGATE, Peter James Arthur
director · ~83y · appointed 1992-11-24 · resigned 2009-08-20
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property28/01/200325/09/2024
satisfied
Bellway Homes
Bellway Homes Limited
Standard security1 property15/09/200014/10/2006
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property18/08/197615/02/2023

Recent filings (146 total)

legacy
miscellaneous · RP01PSC01
2026-02-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-25
change-person-secretary-company-with-change-date
officers · CH03
2024-09-24
termination-secretary-company-with-name-termination-date
officers · TM02
2024-09-24
appoint-person-secretary-company-with-name-date
officers · AP03
2024-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-21
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-15
change-account-reference-date-company-current-extended
accounts · AA01
2023-02-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-15