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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£11.3k
book net assets
Opportunity
68/100
Strong
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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 5.9y

35/100
too messy

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

  • · Oldest live charge is 5.9 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
50
Lenders & charges
18 charges (18/18 with lender, 18/18 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
54 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
68/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
71
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
Metric2025-03-31
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
0
filings
Last 90 days
0
filings
Last 180 days
14
filings
  • • 14 mortgage
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
  1. 2026-02-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-02-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2026-02-06
    🔒
    Charge registered #18
    Lender: The Mortgage Works
  4. 2026-02-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2026-02-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2026-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2026-01-20
    🔒
    Charge registered #17
    Lender: The Mortgage Works (UK) PLC
  17. 2026-01-20
    🔒
    Charge registered #16
    Lender: Aldermore Bank PLC
  18. 2026-01-20
    🔒
    Charge registered #15
    Lender: Aldermore Bank PLC
  19. 2026-01-20
    🔒
    Charge registered #14
    Lender: Aldermore Bank PLC
  20. 2026-01-20
    🔒
    Charge registered #13
    Lender: Aldermore Bank PLC
  21. 2026-01-20
    🔒
    Charge registered #12
    Lender: Aldermore Bank PLC
  22. 2026-01-20
    🔒
    Charge registered #11
    Lender: The Mortgage Works (UK) PLC
  23. 2026-01-20
    🔒
    Charge registered #10
    Lender: Aldermore Bank PLC
  24. 2026-01-20
    🔒
    Charge registered #9
    Lender: The Mortgage Works (UK) PLC
  25. 2026-01-20
    🔒
    Charge registered #8
    Lender: Aldermore Bank PLC
  26. 2026-01-20
    🔒
    Charge registered #7
    Lender: Aldermore Bank PLC
  27. 2026-01-20
    🔒
    Charge registered #6
    Lender: The Mortgage Works (UK) PLC
  28. 2026-01-20
    🔒
    Charge registered #5
    Lender: Aldermore Bank PLC
  29. 2025-08-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  30. 2025-05-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  31. 2025-05-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  32. 2025-05-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  33. 2025-05-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  34. 2025-04-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  35. 2025-04-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  36. 2025-04-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  37. 2025-02-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  38. 2024-12-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  39. 2024-12-19
    🔒
    Charge registered #4
    Lender: The Mortgage Works (UK) PLC
  40. 2024-07-06
    ➕
    CLARK, James Couper appointed
    director
  41. 2023-05-30
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  42. 2021-08-27
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  43. 2020-08-19
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  44. 2016-03-10
    🏢
    Company incorporated
    As A L J (SCOTLAND) LTD
  45. 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
NameSharesVoting rightsNature of controlNotified
Mr James Couper Clark
Individual · Scottish · DOB 01/1980 · age 46
25–50%
—25-50% shares06/07/2024
Mrs Sharon Martine Clark
Individual · British · DOB 12/1978 · age 48
25–50%
—25-50% shares01/03/2017

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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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

18
Total charges
18
Outstanding
3
Active lenders
Status:Lender:18 of 18 shown
TypeProperties
outstanding
The Mortgage Works
A registered charge1 property06/02/2026—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property20/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property20/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property20/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property20/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property20/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property20/01/2026—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property20/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property20/01/2026—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property20/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property20/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property20/01/2026—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property20/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property20/01/2026—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property19/12/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property30/05/2023—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property27/08/2021—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property19/08/2020—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (54 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
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
2026-02-05
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
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-10