INVERLEAF LIMITED
🌳Matureactive
SC204449 · ltd · incorporated 2000-02-29
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
—
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
PursueProperty-backed borrower with a 77-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 77). 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
21 live charges · 3 lenders · oldest 26.1y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 26.1 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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
21 charges (21/21 with lender, 21/21 with type)
90
Directors & officers
11 officers (3 active, 11 linked, 6 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
121 filings on record
85
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
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
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
1
filing
- • 1 accounts
Last 180 days
11
filings
- • 10 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (79 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-20🔓Charge satisfied #19
- 2026-01-20🔓Charge satisfied #18
- 2026-01-20🔓Charge satisfied #17
- 2026-01-20🔓Charge satisfied #16
- 2026-01-20🔓Charge satisfied #15
- 2026-01-20🔓Charge satisfied #14
- 2026-01-20🔓Charge satisfied #13
- 2026-01-20🔓Charge satisfied #12
- 2026-01-20🔓Charge satisfied #11
- 2026-01-20🔓Charge satisfied #10
- 2024-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-12📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2021-10-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-05-25📄capital-cancellation-sharescapital · SH06
- 2021-05-25📄capital-return-purchase-own-sharescapital · SH03
- 2019-01-15🔒Charge registered #21Lender: Shawbrook Bank Limited
- 2019-01-15🔒Charge registered #20Lender: Shawbrook Bank Limited
- 2012-07-27➕AHMED, Maqsood appointeddirector
- 2012-07-27➕AHMED, Shahinah appointeddirector
- 2012-07-27➖AHMED, Wasim resigneddirector
- 2006-12-18🔒Charge registered #19Lender: The Royal Bank of Scotland PLC
- 2006-12-12🔒Charge registered #18Lender: The Royal Bank of Scotland PLC
- 2006-12-01➖ALAM, Nasim resigneddirector
- 2006-12-01➖MALIK, Hamida resigneddirector
- 2006-10-19🔒Charge registered #17Lender: The Royal Bank of Scotland PLC
- 2005-09-28🔒Charge registered #16Lender: The Royal Bank of Scotland PLC
- 2005-08-25🔓Charge satisfied #9
- 2005-08-25🔓Charge satisfied #8
- 2005-08-25🔓Charge satisfied #7
- 2005-08-25🔓Charge satisfied #6
- 2005-08-25🔓Charge satisfied #5
- 2005-08-25🔓Charge satisfied #4
- 2005-07-21🔓Charge satisfied #3
- 2005-04-20🔒Charge registered #15Lender: The Royal Bank of Scotland PLC
- 2005-04-13🔒Charge registered #14Lender: The Royal Bank of Scotland PLC
- 2005-04-13🔒Charge registered #13Lender: The Royal Bank of Scotland PLC
Showing most recent 50 of 79 events
Owner dependency
81/100
Critical — business is the founderThe 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.
- +Founder age: Director aged approximately 77 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
89/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Saima Ahmed Individual · British · DOB 08/1987 · age 39 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Reema Ahmedceased 01/03/2021· 25-50% shares · 25-50% voting
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| JKM WEALTH LTD→ SC864111 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JLC LET LIMITED→ SC769909 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JLRM PROPERTIES LTD→ SC580202 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| JM GAUNAND HOLDINGS LIMITED→ SC702552 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| JOHN DRAGON COX LTD→ SC641816 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| JOHN MONTEITH PROPERTIES LIMITED→ SC026060 · est 1948 · no financials extracted | — | — | — | — | 78y | — | — |
| JOHN SLAVEN PROPERTIES LTD→ SC525015 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| JOHNSTON PROPERTY MANAGEMENT LTD→ SC555967 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| JOHNSTONE LTD→ SC872808 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JONES BROTHERS VENTURES LTD→ SC876887 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| JONES INVESTMENT PROPERTIES LIMITED→ SC694844 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| JONNTY APARTMENTS LIMITED→ SC696752 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2000-02-29
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Inverleaf Ltd
73 Dalry Road
Edinburgh
EH11 2AA
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-20
Last: 2025-06-06
Officers (3 active · 8 resigned)
Active
AHMED, Maqsood→
Activedirector · ~77y · appointed 2012-07-27
View their other companies + combined net worth →
AHMED, Shahinah→
Activedirector · ~67y · appointed 2012-07-27
View their other companies + combined net worth →
AHMED, Maqsood→
Resignedsecretary · appointed 2002-09-25 · resigned 2004-02-28
ALAM, Nasim→
Resignedsecretary · appointed 2000-03-01 · resigned 2005-03-20
BRIAN REID LTD.→
Resignedcorporate-nominee-secretary · appointed 2000-02-29 · resigned 2000-03-01
AHMED, Saima→
Resigneddirector · ~39y · appointed 2004-12-05 · resigned 2005-01-25
AHMED, Wasim→
Resigneddirector · ~42y · appointed 2002-09-25 · resigned 2012-07-27
ALAM, Nasim→
Resigneddirector · ~78y · appointed 2000-03-01 · resigned 2006-12-01
MALIK, Hamida→
Resigneddirector · ~108y · appointed 2000-03-01 · resigned 2006-12-01
STEPHEN MABBOTT LTD.→
Resignedcorporate-nominee-director · appointed 2000-02-29 · resigned 2000-03-01
Click a director name to see their full track record across all companies.
Mortgages & charges
21
Total charges
2
Outstanding
1
Active lenders
Status:Lender:21 of 21 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 15/01/2019 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 15/01/2019 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 18/12/2006 | 20/01/2026 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 12/12/2006 | 20/01/2026 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 19/10/2006 | 20/01/2026 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 28/09/2005 | 20/01/2026 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 20/04/2005 | 20/01/2026 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 13/04/2005 | 20/01/2026 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 13/04/2005 | 20/01/2026 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 13/04/2005 | 20/01/2026 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 13/04/2005 | 20/01/2026 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 13/04/2005 | 20/01/2026 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 24/01/2003 | 25/08/2005 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 24/01/2003 | 25/08/2005 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 24/01/2003 | 25/08/2005 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 24/01/2003 | 25/08/2005 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 24/01/2003 | 25/08/2005 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 02/12/2002 | 25/08/2005 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 04/11/2002 | 21/07/2005 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 02/05/2000 | 29/10/2003 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 31/03/2000 | 10/12/2002 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (121 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-28