YEARGRAPH LIMITED

🌳Matureactive
SC203486 · ltd · incorporated 2000-02-01
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£2.44M
book net assets
Opportunity
79/100
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
Pursue
Property-backed borrower with a 72-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (83/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

15 live charges · 3 lenders · oldest 26.1y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 26.1 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (76/100)

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
75
Lenders & charges
15 charges (15/15 with lender, 15/15 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
101 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
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
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 £2,436,580
Cash draining
Cash down 64% YoY
Cash YoY
-64%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£14k
↓ 64% YoY
Net Worth
£2.4m
~ YoY
Current Assets
£582k
↑ 6.3% YoY
Current Liabilities
—
£0£487k£975k£1.5m£1.9m£2.4mMar 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
Total assets£2.44M£2.42M
Current assets£582.1k£547.6k
Cash£14.3k£39.8k
Debtors£567.8k£507.8k
Net assets£2.44M£2.42M

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
  1. 2026-01-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2024-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2016-12-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-02-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2016-02-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2016-02-13
    🔓
    Charge satisfied #13
  15. 2016-02-13
    🔓
    Charge satisfied #12
  16. 2016-02-13
    🔓
    Charge satisfied #11
  17. 2016-02-13
    🔓
    Charge satisfied #10
  18. 2016-02-13
    🔓
    Charge satisfied #9
  19. 2016-02-13
    🔓
    Charge satisfied #8
  20. 2016-02-13
    🔓
    Charge satisfied #7
  21. 2016-02-13
    🔓
    Charge satisfied #6
  22. 2016-02-13
    🔓
    Charge satisfied #5
  23. 2016-02-13
    🔓
    Charge satisfied #4
  24. 2016-02-13
    🔓
    Charge satisfied #3
  25. 2016-02-13
    🔓
    Charge satisfied #2
  26. 2014-03-04
    🔒
    Charge registered #15
    Lender: The Royal Bank of Scotland PLC
  27. 2014-02-22
    🔓
    Charge satisfied #1
  28. 2014-02-17
    🔒
    Charge registered #14
    Lender: The Royal Bank of Scotland PLC
  29. 2010-03-01
    ➕
    RAZZAK, Nurun Nihar appointed
    director
  30. 2008-10-30
    🔒
    Charge registered #13
    Lender: Clydesdale Bank PLC
  31. 2007-08-02
    🔒
    Charge registered #12
    Lender: Clydesdale Bank Public Limited Company
  32. 2007-06-14
    🔒
    Charge registered #11
    Lender: Clydesdale Bank Public Limited Company
  33. 2006-05-25
    🔒
    Charge registered #10
    Lender: Clydesdale Bank Public Limited Company
  34. 2002-06-18
    🔒
    Charge registered #9
    Lender: Clydesdale Bank Public Limited Company
  35. 2002-01-21
    🔒
    Charge registered #8
    Lender: Clydesdale Bank Public Limited Company
  36. 2001-07-13
    🔒
    Charge registered #7
    Lender: Clydesdale Bank Public Limited Company
  37. 2001-04-02
    🔒
    Charge registered #6
    Lender: Clydesdale Bank Public Limited Company
  38. 2001-04-02
    🔒
    Charge registered #5
    Lender: Clydesdale Bank Public Limited Company
  39. 2001-01-15
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  40. 2000-12-28
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  41. 2000-05-18
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  42. 2000-04-13
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  43. 2000-02-16
    ➕
    NABI, Ghulam appointed
    secretary
  44. 2000-02-16
    ➕
    RAZZAK, Syed Abdur appointed
    director
  45. 2000-02-16
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  46. 2000-02-16
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director
  47. 2000-02-01
    🏢
    Company incorporated
    As YEARGRAPH LIMITED
  48. 2000-02-01
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  49. 2000-02-01
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director

Owner dependency

91/100
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 26 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 72 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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 72 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 26 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 26 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

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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Syed Abdur Razzak
Individual · British · DOB 03/1954 · age 72
——sig. influencesignificant influence01/12/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2000-02-01
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

95-107 Lancefield Street
Glasgow
G3 8HZ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-16
Last: 2025-08-02

Officers (3 active · 2 resigned)

NABI, Ghulam→
secretary · appointed 2000-02-16
View their other companies + combined net worth →
Active
RAZZAK, Nurun Nihar→
director · ~63y · appointed 2010-03-01
View their other companies + combined net worth →
Active
RAZZAK, Syed Abdur→
director · ~72y · appointed 2000-02-16
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2000-02-01 · resigned 2000-02-16
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 2000-02-01 · resigned 2000-02-16
Resigned

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

Mortgages & charges

15
Total charges
2
Outstanding
1
Active lenders
Status:Lender:15 of 15 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge2 properties04/03/2014—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property17/02/2014—
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property30/10/200813/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property02/08/200713/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property14/06/200713/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property25/05/200613/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property18/06/200213/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property21/01/200213/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property13/07/200113/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property02/04/200113/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property02/04/200113/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property15/01/200113/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security2 properties28/12/200013/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property18/05/200013/02/2016
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property13/04/200022/02/2014
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (101 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-07
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-20