CLAYMORE HOMES LIMITED

🌳Matureactive

SC315255 · ltd · incorporated 2007-01-24

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 Dec 2024

Net worth

£5.15M

book net assets

Opportunity

70/100

Strong

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What this business does

Primary activity: Construction of commercial buildings

Sector: Construction

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 70/100 (strong), bankability 57/100. Biggest value-creation lever: Consolidate lender relationships. 14 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: refinance and hold (40/100).

🏦

Refinance opportunity

40 live charges · 13 lenders · oldest 18.5y

15/100

under pressure

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

· Oldest live charge is 18.5 years old — likely at or near maturity.
· 13 lenders named — inter-creditor friction likely.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

40 charges (40/40 with lender, 40/40 with type)

Directors & officers

14 officers (6 active, 14 linked, 9 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

11 connected companies via shared directors

Filing history

138 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

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 £5,150,464

Net assets shrinking

Down £2,340,906 YoY

Cash draining

Cash down 65% YoY

Cash YoY

-65%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£212k

↓ 65% YoY

Net Worth

£5.2m

↓ 31% YoY

Current Assets

£23m

↓ 6.2% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-12-31	2023-12-31
Total assets	£5.62M	£8.45M
Current assets	£22.97M	£24.48M
Cash	£212.3k	£606.0k
Debtors	£1.04M	£436.1k
Net assets	£5.15M	£7.49M

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

🔒Filing-note intelligence

3 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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (100 events)Click to expand

2025-12-30
📄
accounts-with-accounts-type-medium
accounts · AA
2025-01-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-13
🔓
Charge satisfied #39
2025-01-13
🔓
Charge satisfied #37
2025-01-13
🔓
Charge satisfied #36
2025-01-13
🔓
Charge satisfied #33
2025-01-13
🔓
Charge satisfied #32
2024-10-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-30
📄
accounts-with-accounts-type-full
accounts · AA
2024-09-11
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-11
🔓
Charge satisfied #17
2024-08-29
➖
COWIE, Peter resigned
director
2024-02-28
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-19
🔒
Charge registered #40
Lender: Bank of Scotland PLC
2023-09-28
📄
accounts-with-accounts-type-full
accounts · AA
2023-08-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-22
🔒
Charge registered #39
Lender: Bank of Scotland PLC
2023-08-22
🔒
Charge registered #38
Lender: Bank of Scotland PLC
2023-08-22
🔒
Charge registered #37
Lender: Bank of Scotland PLC
2023-08-22
🔒
Charge registered #36
Lender: Bank of Scotland PLC
2023-08-22
🔒
Charge registered #35
Lender: Bank of Scotland PLC
2023-08-22
🔒
Charge registered #34
Lender: Bank of Scotland PLC
2023-08-22
🔒
Charge registered #33
Lender: Bank of Scotland PLC
2023-08-22
🔒
Charge registered #32
Lender: Bank of Scotland PLC
2023-07-18
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-18
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-18
🔓
Charge satisfied #30
2023-07-17
🔒
Charge registered #31
Lender: Bank of Scotland PLC
2023-03-22
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-17
🔒
Charge registered #30
Lender: The Church of Scotland General Trustees
2022-10-14
🔒
Charge registered #29
Lender: Susan Ann Baxter
2022-07-21
🔒
Charge registered #28
Lender: Bank of Scotland PLC
2021-01-29
🔒
Charge registered #27
Lender: Bank of Scotland PLC
2020-12-14
➕
ANTHONY, Colin Thomas appointed
director
2020-01-14
➕
MASSON GLENNIE LLP appointed
corporate-secretary
2019-12-17
➖
LC SECRETARIES LIMITED resigned
corporate-secretary
2019-09-12
🔒
Charge registered #26
Lender: Bank of Scotland PLC
2019-01-29
🔒
Charge registered #25
Lender: Bank of Scotland PLC
2018-01-10
➕
SMITH, Claire Michelle appointed
director

Showing most recent 50 of 100 events

Owner dependency

50/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

53/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondary12+ year tenure: Director in role 18 years.
secondaryStable-but-static management: Company is 19 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 · 1 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.

25 live charges

low

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

Group structure

Jnf Holdings Limited holds majority control (50-75%). Likely parent but not wholly-owned.

🏛️

Jnf Holdings Limited

Corporate parent · holds 50-75% shares

majority

⬇

CLAYMORE HOMES LIMITED

This company · SC315255

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

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Jnf Holdings Limited Corporate entity	50–75%	50–75%	50-75% shares · 50-75% voting	30/09/2016

2 historic (ceased) PSCs

Mr John Buchan Smith Jnrceased 05/09/2017· 25-50% shares · 25-50% voting
Mr Steven Rolloceased 30/09/2016· 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 · Construction · AB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CUNNINGHAM PLASTERING LTD→ SC357878 · est 2009 · no financials extracted	—	—	—	—	17y	—	—
CW ACCESS LTD→ SC851313 · est 2025 · no financials extracted	—	—	—	—	—	—	—
D COWIE PLUMBING & HEATING LTD→ SC727927 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
D J C STRACHAN JOINERY LTD→ SC655007 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
DAVID COWE LIMITED→ SC285815 · est 2005 · no financials extracted	—	—	—	—	20y	—	—
DAVIDSONS MARINE & INDUSTRIAL PAINTERS LTD.→ SC245245 · est 2003 · no financials extracted	—	—	—	—	23y	—	—
DEESIDE PLUMBING AND HEATING LTD→ SC606663 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
DEESIDE ROOFING LIMITED→ SC532359 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
DEVERON SERVICES LTD→ SC855684 · est 2025 · no financials extracted	—	—	—	—	—	—	—
DEVREV JOINERY LTD→ SC866486 · est 2025 · no financials extracted	—	—	—	—	—	—	—
DIAMOND PROPERTY DEVELOPMENTS -78 QR LTD→ SC757552 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
DIVERSITY ENERGY SOLUTIONS LTD→ SC545423 · est 2016 · no financials extracted	—	—	—	—	9y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2007-01-24

Jurisdictionscotland

Primary SIC41201 — Construction of commercial buildings

Registered office

Aden Business Park Newlands Road

Mintlaw

Aberdeenshire

AB42 5BP

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-01-26

Last: 2026-01-12