LEMAY INVESTMENTS LIMITED

🌳Matureactive
SC253839 · ltd · incorporated 2003-08-06
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 22.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£53.3k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Renting and operating of Housing Association real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 70-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 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 22.3y

65/100
clean up first

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

  • · Oldest live charge is 22.3 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 (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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
59 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
83/100Exceptional
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
85
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 £53,318
Cash YoY
+51%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3k
↑ 51% YoY
Net Worth
£53k
↑ 27% YoY
Current Assets
£4k
↑ 36% YoY
Current Liabilities
—
£0£11k£21k£32k£43k£53kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£61.3k£46.2k
Current assets£3.9k£2.9k
Cash£2.5k£1.7k
Debtors£1.4k£1.2k
Net assets£53.3k£42.1k

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
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-09-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-09-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-09-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-10-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2021-12-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2020-12-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2019-09-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2018-09-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2017-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2016-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-09-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2016-09-24
    🔓
    Charge satisfied #2
  13. 2016-03-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2015-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-08-20
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2004-02-11
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  18. 2004-01-19
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  19. 2003-08-06
    🏢
    Company incorporated
    As LEMAY INVESTMENTS LIMITED
  20. 2003-08-06
    ➕
    MUNRO, Rosalind Margaret appointed
    secretary
  21. 2003-08-06
    ➕
    KELLY, Andrew appointed
    director
  22. 2003-08-06
    ➕
    MUNRO, Rosalind Margaret appointed
    director
  23. 2003-08-06
    ➕
    WELSH, Thomas Richard appointed
    director
  24. 2003-08-06
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  25. 2003-08-06
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  26. 2003-08-06
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  27. 2003-08-06
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

90/100
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 70 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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.)

Group structure

Crawford Lemay Ltd holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️
Crawford Lemay Ltd
Corporate parent · holds 25-50% shares · board control
significant stake
⬇
LEMAY INVESTMENTS LIMITED
This company · SC253839

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Crawford Lemay Ltd
Corporate entity
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence06/04/2016
Mr Thomas Richard Welsh
Individual · British · DOB 05/1964 · age 62
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence06/04/2016

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

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
Incorporated2003-08-06
Jurisdictionscotland
Primary SIC68201 — Renting and operating of Housing Association real estate

Registered office

Regent Court
70 West Regent Street
Glasgow
G2 2QZ
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-11
Last: 2025-07-28

Officers (4 active · 2 resigned)

MUNRO, Rosalind Margaret→
secretary · appointed 2003-08-06
View their other companies + combined net worth →
Active
KELLY, Andrew→
director · ~70y · appointed 2003-08-06
View their other companies + combined net worth →
Active
MUNRO, Rosalind Margaret→
director · ~61y · appointed 2003-08-06
View their other companies + combined net worth →
Active
WELSH, Thomas Richard→
director · ~62y · appointed 2003-08-06
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2003-08-06 · resigned 2003-08-06
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2003-08-06 · resigned 2003-08-06
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property11/02/200424/09/2016
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property19/01/2004—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (59 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-09-27