SUMMITS INVESTMENTS LIMITED

🌳Matureactive

SC169947 · ltd · incorporated 1996-11-12

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 29.1y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£123.7k

book net assets

Opportunity

82/100

Exceptional

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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

Pursue

Property-backed borrower with a 73-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 29.1y

65/100

clean up first

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

· Oldest live charge is 29.1 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (78/100)

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

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

6 officers (3 active, 6 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

70 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

82/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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 £123,704

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£124k

↑ 1.3% YoY

Current Assets

£3k

↓ 10% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£124.4k	£124.8k
Current assets	£3.3k	£3.7k
Net assets	£123.7k	£122.2k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (27 events)Click to expand

2025-12-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-08
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-12-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-01-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-12-20
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-12-30
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-12-17
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-12-29
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-12-04
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2013-12-30
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
1997-05-19
🔒
Charge registered #2
Lender: Clydesdale Bank Public Limited Company
1997-04-10
🔒
Charge registered #1
Lender: Clydesdale Bank Public Limited Company
1996-11-12
🏢
Company incorporated
As SUMMITS INVESTMENTS LIMITED
1996-11-12
➕
MAYES, Alexander Thomson appointed
secretary
1996-11-12
➕
ANDERSON, Elizabeth Rose appointed
director
1996-11-12
➕
MAYES, Alexander Thomson appointed
director
1996-11-12
➕
COMBINED SECRETARIAL SERVICES LIMITED appointed
corporate-nominee-secretary
1996-11-12
➖
COMBINED SECRETARIAL SERVICES LIMITED resigned
corporate-nominee-secretary
1996-11-12
➕
COMBINED NOMINEES LIMITED appointed
corporate-nominee-director
1996-11-12
➖
COMBINED NOMINEES LIMITED resigned
corporate-nominee-director
1996-11-12
➕
COMBINED SECRETARIAL SERVICES LIMITED appointed
corporate-nominee-director
1996-11-12
➖
COMBINED SECRETARIAL SERVICES LIMITED resigned
corporate-nominee-director

Owner dependency

83/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 73 — succession pressure is live.

Succession & seller-readiness

96/100

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 73 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 30 years old and no new directors in the last 3 years — succession not yet being planned internally.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No 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 Alexander Thomson Mayes Individual · British · DOB 05/1953 · age 73	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Miss Elizabeth Rose Anderson Individual · British · DOB 12/1962 · age 64	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

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 · KY postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
PCM PROPERTIES LIMITED→ SC142138 · est 1993	£1.18M £1.01M–£1.36M	—	£1.18M	—	33y	82	68y
G.W. DOUGLAS PROPERTY & GARAGE COMPANY LIMITED→ SC031202 · est 1955	£1.10M £938.6k–£1.27M	—	£1.10M	—	70y	82	70y
MVPR LIMITED→ SC240584 · est 2002	£753.5k £640.4k–£866.5k	—	£753.5k	—	23y	82	69y
A J W PROPERTIES (SCOTLAND) LIMITED→ SC254914 · est 2003	£631.0k £536.4k–£725.7k	—	£631.0k	—	22y	82	73y
BENTHEAD DEVELOPMENTS LIMITED→ SC123999 · est 1990	£469.5k £399.1k–£539.9k	—	£469.5k	—	36y	82	65y
STARK'S PARK PROPERTIES LTD→ SC226922 · est 2002	£337.6k £287.0k–£388.3k	—	£337.6k	—	24y	82	75y
TAYLOR BROTHERS (PROPERTY DEVELOPMENT) LIMITED→ SC058985 · est 1975	£314.3k £267.2k–£361.5k	—	£314.3k	—	50y	83	79y
BRAEFIELD LIMITED→ SC158886 · est 1995	£276.5k £235.1k–£318.0k	—	£276.5k	—	30y	82	74y
GOOD NEWS (DUNFERMLINE) LIMITED→ SC168501 · est 1996	£126.6k £107.6k–£145.6k	—	£126.6k	—	29y	82	67y
REGENTS ESTATES AND MORTGAGES LIMITED→ SC252333 · est 2003	£107.7k £91.5k–£123.8k	—	£107.7k	—	22y	82	64y
RUMOURS (KIRKCALDY) LTD.→ SC240082 · est 2002	£53.8k £45.8k–£61.9k	—	£53.8k	—	23y	82	61y
MERLIN HOUSE LIMITED→ SC216220 · est 2001	£40.5k £34.4k–£46.6k	—	£40.5k	—	25y	83	64y

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

Incorporated1996-11-12

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Flat 1

Northcliff

North Queensferry

KY11 1HB

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-11-26

Last: 2025-11-12

Officers (3 active · 3 resigned)

MAYES, Alexander Thomson→

secretary · appointed 1996-11-12

View their other companies + combined net worth →

Active

ANDERSON, Elizabeth Rose→

director · ~64y · appointed 1996-11-12

View their other companies + combined net worth →

Active

MAYES, Alexander Thomson→

director · ~73y · appointed 1996-11-12

View their other companies + combined net worth →

Active

COMBINED SECRETARIAL SERVICES LIMITED→

corporate-nominee-secretary · appointed 1996-11-12 · resigned 1996-11-12

Resigned

COMBINED NOMINEES LIMITED→

corporate-nominee-director · appointed 1996-11-12 · resigned 1996-11-12

Resigned

COMBINED SECRETARIAL SERVICES LIMITED→

corporate-nominee-director · appointed 1996-11-12 · resigned 1996-11-12

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Virgin Money Clydesdale Bank Public Limited Company	Standard security	1 property	19/05/1997	—
	outstanding	Virgin Money Clydesdale Bank Public Limited Company	Floating charge	1 property	10/04/1997	—

Click column headers to sort. Use filters above to narrow by status and lender.