MONTGOMERY VALLEY INVESTMENTS LTD

🏛️Establishedactive
SC568975 · ltd · incorporated 2017-06-16
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
£12.0k
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 74/100 (strong), bankability 67/100. 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

3 live charges · 3 lenders · oldest 4.1y

25/100
too messy

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

  • · Charge age ~4.1 years — mid-life; refi window approaching.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 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
2 connected companies via shared directors
51
Filing history
26 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
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £11,951

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£12k
↑ 75% YoY
Current Assets
£8k
↑ 62% YoY
Current Liabilities
£0£2k£5k£7k£10k£12kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£277.9k£162.1k
Current assets£7.8k£4.8k
Net assets£12.0k£6.8k

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
1
filing
  • 1 confirmation-statement
Last 180 days
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2025-07-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-08-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-08-08
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  5. 2023-11-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-12-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2022-11-30
    🔒
    Charge registered #2
    Lender: Aldermore Bank PLC
  8. 2022-06-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-04-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2022-04-21
    🔒
    Charge registered #1
    Lender: The Mortgage Lender Limited
  11. 2021-10-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2021-10-04
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2021-05-25
    📄
    resolution
    resolution · RESOLUTIONS
  14. 2021-05-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2020-12-11
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  16. 2020-12-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2020-10-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2020-03-03
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  19. 2018-11-14
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  20. 2017-06-16
    🏢
    Company incorporated
    As MONTGOMERY VALLEY INVESTMENTS LTD
  21. 2017-06-16
    MALIK, Noushad appointed
    director
  22. 2017-06-16
    MALIK, Taimur 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 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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 Taimur Malik
Individual · British · DOB 03/1978 · age 48
2550%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest16/06/2017
Mrs Noushad Malik
Individual · British · DOB 11/1980 · age 46
2550%
25–50%board control25-50% shares · 25-50% voting · board control · firm interest16/06/2017

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

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
Incorporated2017-06-16
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

60 Constitution Street
Edinburgh
EH6 6RR
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03

Officers (2 active · 0 resigned)

MALIK, Noushad
director · ~46y · appointed 2017-06-16
View their other companies + combined net worth →
Active
MALIK, Taimur
director · ~48y · appointed 2017-06-16
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
3
Outstanding
3
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property08/08/2024
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property30/11/2022
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property21/04/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (26 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-12-02
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-04-26
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-03
change-person-director-company-with-change-date
officers · CH01
2021-10-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-10-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-28