ST. MALO HOUSE LIMITED

🌳Matureactive
SC285478 · ltd · incorporated 2005-05-31
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 19.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£1.20M
book net assets
Opportunity
83/100
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 80-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 80). 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

1 live charge · oldest 19.9y

65/100
clean up first

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

  • · Oldest live charge is 19.9 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 (71/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 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
2 connected companies via shared directors
51
Filing history
65 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 £1,196,050

Key financials

1 year extracted from filed iXBRL accounts
Cash
£16k
Net Worth
£1.2m
Current Assets
£56k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-31
Total assets£1.54M
Current assets£56.5k
Cash£16.4k
Net assets£1.20M

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
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-06-26
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  2. 2025-06-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-07-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-12-01
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  6. 2022-07-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-05-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-06-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-08-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-09-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-09-26
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-07-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-07-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-07-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-08-19
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2011-08-02
    ➖
    GRANT SMITH LAW PRACTICE resigned
    corporate-secretary
  18. 2011-08-01
    ➕
    GRANT SMITH LAW PRACTICE LIMITED appointed
    corporate-secretary
  19. 2006-06-21
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  20. 2005-05-31
    🏢
    Company incorporated
    As ST. MALO HOUSE LIMITED
  21. 2005-05-31
    ➕
    EL ALAMI, Wathik appointed
    director
  22. 2005-05-31
    ➕
    EL-ALAMI, Emma Louise Ann appointed
    director
  23. 2005-05-31
    ➕
    MARTIN, Alison Mary, Dr appointed
    director
  24. 2005-05-31
    ➕
    GRANT SMITH LAW PRACTICE appointed
    corporate-secretary
  25. 2005-05-31
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  26. 2005-05-31
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

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 21 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 80 — 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 80 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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
NameSharesVoting rightsNature of controlNotified
Mr Wathik El Alami
Individual · British · DOB 04/1976 · age 50
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Ms Emma Louise Ann El-Alami
Individual · British · DOB 10/1979 · age 47
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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
Incorporated2005-05-31
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Amicable House, 252 Union Street
Aberdeen
Aberdeenshire
AB10 1TN

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-14
Last: 2025-05-31

Officers (4 active · 2 resigned)

GRANT SMITH LAW PRACTICE LIMITED→
corporate-secretary · appointed 2011-08-01
View their other companies + combined net worth →
Active
EL ALAMI, Wathik→
director · ~50y · appointed 2005-05-31
View their other companies + combined net worth →
Active
EL-ALAMI, Emma Louise Ann→
director · ~47y · appointed 2005-05-31
View their other companies + combined net worth →
Active
MARTIN, Alison Mary, Dr→
director · ~80y · appointed 2005-05-31
View their other companies + combined net worth →
Active
GRANT SMITH LAW PRACTICE→
corporate-secretary · appointed 2005-05-31 · resigned 2011-08-02
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2005-05-31 · resigned 2005-05-31
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Barclays
Barclays Bank PLC
Mortgage deed1 property21/06/2006—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (65 total)

accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-06-26
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-12
change-account-reference-date-company-current-shortened
accounts · AA01
2022-12-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-30