LIFESTYLE LEASING LIMITED

🌳Matureactive
SC237732 · ltd · incorporated 2002-10-04
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
74/100
Strong
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Property-backed borrower with a 66-year-old founder — textbook succession opportunity.

Opportunity 74/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

15 live charges · 4 lenders · oldest 22.9y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 22.9 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

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, 2 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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
93 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
71
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 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

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

🔒Filing-note intelligence

1 signal 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 (45 events)Click to expand
  1. 2025-12-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-04-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-06-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-02-09
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2024-02-09
    🔓
    Charge satisfied #13
  7. 2023-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-07-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2023-05-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2023-01-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2023-01-11
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  12. 2023-01-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2023-01-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2023-01-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2022-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2021-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2021-03-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2021-01-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2020-12-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2020-09-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2007-08-20
    🔒
    Charge registered #15
    Lender: Paragon Mortgage Limited
  22. 2007-08-15
    🔒
    Charge registered #14
    Lender: Paragon Mortgages Limited
  23. 2006-12-04
    🔒
    Charge registered #13
    Lender: Clydesdale Bank Public Limited Company
  24. 2006-05-03
    🔓
    Charge satisfied #4
  25. 2005-11-09
    🔒
    Charge registered #12
    Lender: Clydesdale Bank Public Limited Company
  26. 2005-10-12
    🔒
    Charge registered #11
    Lender: Paragon Mortgages Limited
  27. 2005-09-14
    🔒
    Charge registered #10
    Lender: Paragon Mortgages Limited
  28. 2005-08-31
    🔓
    Charge satisfied #9
  29. 2005-02-17
    🔒
    Charge registered #9
    Lender: Skipton Building Society
  30. 2004-05-05
    🔒
    Charge registered #8
    Lender: Paragon Mortgages Limited
  31. 2004-03-04
    🔒
    Charge registered #7
    Lender: Paragon Mortgages Limited
  32. 2004-02-10
    🔒
    Charge registered #6
    Lender: Paragon Mortgages Limited
  33. 2004-01-26
    🔒
    Charge registered #5
    Lender: Paragon Mortgages Limited
  34. 2003-09-16
    🔒
    Charge registered #4
    Lender: Paragon Mortgages Limited
  35. 2003-08-28
    🔒
    Charge registered #3
    Lender: Paragon Mortgages Limited
  36. 2003-06-10
    🔒
    Charge registered #2
    Lender: Paragon Mortgages Limited
  37. 2003-06-03
    🔒
    Charge registered #1
    Lender: Paragon Mortgages Limited
  38. 2002-11-12
    ➕
    BARR, Susan Elizabeth appointed
    secretary
  39. 2002-11-12
    ➕
    BARR, David Maxwell appointed
    director
  40. 2002-11-12
    ➕
    BARR, Susan Elizabeth appointed
    director
  41. 2002-11-12
    ➖
    PF & S (SECRETARIES) LIMITED resigned
    corporate-secretary
  42. 2002-11-12
    ➖
    PF & S (DIRECTORS) LIMITED resigned
    corporate-director
  43. 2002-10-04
    🏢
    Company incorporated
    As LIFESTYLE LEASING LIMITED
  44. 2002-10-04
    ➕
    PF & S (SECRETARIES) LIMITED appointed
    corporate-secretary
  45. 2002-10-04
    ➕
    PF & S (DIRECTORS) LIMITED appointed
    corporate-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 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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 · 2 low
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.

12 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr David Maxwell Barr
Individual · British · DOB 07/1964 · age 62
25–50%
—25-50% shares06/04/2016
Mrs Susan Elizabeth Barr
Individual · British · DOB 01/1960 · age 66
25–50%
—25-50% shares06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2002-10-04
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

C/O Clarity Accounting Scotland
234 West George Street
Glasgow
G2 4QY
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-17
Last: 2025-10-03

Officers (3 active · 2 resigned)

BARR, Susan Elizabeth→
secretary · appointed 2002-11-12
View their other companies + combined net worth →
Active
BARR, David Maxwell→
director · ~62y · appointed 2002-11-12
View their other companies + combined net worth →
Active
BARR, Susan Elizabeth→
director · ~66y · appointed 2002-11-12
View their other companies + combined net worth →
Active
PF & S (SECRETARIES) LIMITED→
corporate-secretary · appointed 2002-10-04 · resigned 2002-11-12
Resigned
PF & S (DIRECTORS) LIMITED→
corporate-director · appointed 2002-10-04 · resigned 2002-11-12
Resigned

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

Mortgages & charges

15
Total charges
12
Outstanding
2
Active lenders
Status:Lender:15 of 15 shown
TypeProperties
outstanding
Paragon
Paragon Mortgage Limited
Floating charge1 property20/08/2007—
outstanding
Paragon
Paragon Mortgages Limited
Standard security1 property15/08/2007—
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property04/12/200609/02/2024
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property09/11/2005—
outstanding
Paragon
Paragon Mortgages Limited
Standard security1 property12/10/2005—
outstanding
Paragon
Paragon Mortgages Limited
Floating charge1 property14/09/2005—
satisfied
Skipton Building Society
Standard security1 property17/02/200531/08/2005
outstanding
Paragon
Paragon Mortgages Limited
Standard security1 property05/05/2004—
outstanding
Paragon
Paragon Mortgages Limited
Floating charge1 property04/03/2004—
outstanding
Paragon
Paragon Mortgages Limited
Standard security1 property10/02/2004—
outstanding
Paragon
Paragon Mortgages Limited
Floating charge1 property26/01/2004—
satisfied
Paragon
Paragon Mortgages Limited
Standard security1 property16/09/200303/05/2006
outstanding
Paragon
Paragon Mortgages Limited
Floating charge1 property28/08/2003—
outstanding
Paragon
Paragon Mortgages Limited
Standard security1 property10/06/2003—
outstanding
Paragon
Paragon Mortgages Limited
Floating charge1 property03/06/2003—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (93 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-21
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-09
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-07-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-05-28
change-person-director-company-with-change-date
officers · CH01
2023-01-11
change-person-secretary-company-with-change-date
officers · CH03
2023-01-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-11
change-person-director-company-with-change-date
officers · CH01
2023-01-11