A L J (SCOTLAND) LTD

🌳Matureactive

SC529340 · ltd · incorporated 2016-03-10

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

£11.3k

book net assets

Opportunity

68/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Management of real estate on a fee or contract basis

Sector: Real estate

Investor take

Pursue

Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 68/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (58/100).

🏦

Refinance opportunity

18 live charges · 3 lenders · oldest 5.7y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 5.7 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 (74/100)

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

Lenders & charges

18 charges (18/18 with lender, 18/18 with type)

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

6 connected companies via shared directors

Filing history

54 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

68/100Strong

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 · FRS 102

Positive net assets

Net assets £11,335

Key financials

1 year extracted from filed iXBRL accounts

Cash

£58k

Net Worth

£11k

Current Assets

£58k

Current Liabilities

—

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31
Total assets	£221.9k
Current assets	£57.6k
Cash	£57.6k
Net assets	£11.3k

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

filings

Last 90 days

filings

• 14 mortgage

Last 180 days

filings

• 14 mortgage

Counts from Companies House filing history.

Corporate timeline (45 events)Click to expand

2026-02-17
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-07
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-06
🔒
Charge registered #18
Lender: The Mortgage Works
2026-02-05
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-05
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-20
🔒
Charge registered #17
Lender: The Mortgage Works (UK) PLC
2026-01-20
🔒
Charge registered #16
Lender: Aldermore Bank PLC
2026-01-20
🔒
Charge registered #15
Lender: Aldermore Bank PLC
2026-01-20
🔒
Charge registered #14
Lender: Aldermore Bank PLC
2026-01-20
🔒
Charge registered #13
Lender: Aldermore Bank PLC
2026-01-20
🔒
Charge registered #12
Lender: Aldermore Bank PLC
2026-01-20
🔒
Charge registered #11
Lender: The Mortgage Works (UK) PLC
2026-01-20
🔒
Charge registered #10
Lender: Aldermore Bank PLC
2026-01-20
🔒
Charge registered #9
Lender: The Mortgage Works (UK) PLC
2026-01-20
🔒
Charge registered #8
Lender: Aldermore Bank PLC
2026-01-20
🔒
Charge registered #7
Lender: Aldermore Bank PLC
2026-01-20
🔒
Charge registered #6
Lender: The Mortgage Works (UK) PLC
2026-01-20
🔒
Charge registered #5
Lender: Aldermore Bank PLC
2025-08-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-12
📄
change-person-director-company-with-change-date
officers · CH01
2025-05-12
📄
change-person-director-company-with-change-date
officers · CH01
2025-05-12
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-12
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-29
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-17
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-17
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-12-23
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-19
🔒
Charge registered #4
Lender: The Mortgage Works (UK) PLC
2024-07-06
➕
CLARK, James Couper appointed
director
2023-05-30
🔒
Charge registered #3
Lender: The Mortgage Works (UK) PLC
2021-08-27
🔒
Charge registered #2
Lender: The Mortgage Works (UK) PLC
2020-08-19
🔒
Charge registered #1
Lender: The Mortgage Works (UK) PLC
2016-03-10
🏢
Company incorporated
As A L J (SCOTLAND) LTD
2016-03-10
➕
CLARK, Sharon Martine appointed
director

Owner dependency

71/100

High — earn-out structure required

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

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

41/100

Moderate signal

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

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med · 2 low

14 new charges in last 12 months

medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-02-06: A registered charge; 2026-01-20: A registered charge; 2026-01-20: A registered charge

18 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

Name	Shares	Voting rights	Nature of control	Notified
Mr James Couper Clark Individual · Scottish · DOB 01/1980 · age 46	25–50%	—	25-50% shares	06/07/2024
Mrs Sharon Martine Clark Individual · British · DOB 12/1978 · age 48	25–50%	—	25-50% shares	01/03/2017

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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AM PLUS LETTINGS LTD→ SC818783 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ANDERSON DOE PROPERTY LIMITED→ SC641112 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ANDERSON MACDERMID RESIDENTIAL LTD→ SC851559 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ANDERSON RENTAL PROPERTY LIMITED→ SC827889 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ANDREW MCQUADE PROPERTY LTD→ SC818485 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ANDREWS AVENUE LTD→ SC383887 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
ANGEL VIEW INVEST LTD→ SC883397 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ANGGRA HOMES LIMITED→ SC772277 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ANGUS PROPERTY INVESTMENTS LTD→ SC764272 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
ANIMUS PROPERTIES LTD→ SC767800 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ANSAB PROPERTIES LTD→ SC626529 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
ANTARES PROPERTY INVESTMENTS LTD→ SC732051 · est 2022 · no financials extracted	—	—	—	—	3y	—	—

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

Incorporated2016-03-10

Jurisdictionscotland

Primary SIC68320 — Management of real estate on a fee or contract basis

Registered office

4 Newton Place

C/O Hawthorn Tax

Glasgow

G3 7PR

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-09-10

Last: 2025-08-27

Officers (2 active · 0 resigned)

CLARK, James Couper→

director · ~46y · appointed 2024-07-06

View their other companies + combined net worth →

Active

CLARK, Sharon Martine→

director · ~48y · appointed 2016-03-10

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:18 of 18 shown

		Type	Properties
outstanding	The Mortgage Works	A registered charge	1 property	06/02/2026	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	20/01/2026	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/01/2026	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/01/2026	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/01/2026	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/01/2026	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/01/2026	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	20/01/2026	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/01/2026	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	20/01/2026	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/01/2026	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/01/2026	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	20/01/2026	—
outstanding	Aldermore Aldermore Bank PLC	A registered charge	1 property	20/01/2026	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	19/12/2024	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	30/05/2023	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	27/08/2021	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	19/08/2020	—

Click column headers to sort. Use filters above to narrow by status and lender.