JMAX PROPERTIES LTD

🏛️Establishedactive
SC613384 · ltd · incorporated 2018-11-12
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
—
book net assets
Opportunity
67/100
Strong
🔔
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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. Reasonable fundamentals — worth a memo before deciding.

Opportunity 67/100 (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. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

16 live charges · 9 lenders · oldest 6.8y

35/100
too messy

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

  • · Oldest live charge is 6.8 years old — likely at or near maturity.
  • · 9 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — 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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
16 charges (16/16 with lender, 16/16 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
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
55
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees200200

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

🔒Filing-note intelligence

4 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
2
filings
  • • 2 mortgage
Last 90 days
2
filings
  • • 2 mortgage
Last 180 days
4
filings
  • • 2 mortgage
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
  1. 2026-04-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-04-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2026-04-27
    🔓
    Charge satisfied #7
  4. 2026-04-27
    🔓
    Charge satisfied #4
  5. 2025-11-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2025-08-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2025-07-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2025-07-23
    🔒
    Charge registered #16
    Lender: The Mortgage Works (UK) PLC
  9. 2025-07-22
    🔒
    Charge registered #15
    Lender: The Mortgage Works (UK) PLC
  10. 2025-05-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2025-03-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2025-03-21
    🔒
    Charge registered #14
    Lender: Aldermore Bank PLC
  13. 2025-03-19
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2025-03-19
    🔓
    Charge satisfied #3
  15. 2024-08-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2024-08-05
    🔒
    Charge registered #13
    Lender: Aldermore Bank PLC
  17. 2024-07-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2024-07-31
    🔓
    Charge satisfied #1
  19. 2024-07-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2023-07-23
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  21. 2023-07-23
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  22. 2023-07-23
    🔓
    Charge satisfied #5
  23. 2023-07-23
    🔓
    Charge satisfied #2
  24. 2023-07-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2022-10-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  26. 2022-10-14
    🔒
    Charge registered #12
    Lender: Paratus Amc Limited
  27. 2022-08-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  28. 2022-05-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  29. 2022-05-12
    🔒
    Charge registered #11
    Lender: Aldermore Bank PLC
  30. 2022-03-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  31. 2022-03-08
    🔓
    Charge satisfied #6
  32. 2022-03-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  33. 2022-02-28
    🔒
    Charge registered #10
    Lender: Aldermore Bank PLC
  34. 2021-11-05
    🔒
    Charge registered #9
    Lender: The Mortgage Lender Limited
  35. 2021-07-07
    🔒
    Charge registered #8
    Lender: Paragon Bank PLC
  36. 2021-03-25
    🔒
    Charge registered #7
    Lender: Charter Court Financial Services Limited
  37. 2021-02-01
    🔒
    Charge registered #6
    Lender: Clarke Signs Scotland Limited
  38. 2020-10-02
    🔒
    Charge registered #5
    Lender: The Mortgage Lender Limited
  39. 2020-07-28
    🔒
    Charge registered #4
    Lender: Charter Court Financial Services Limited
  40. 2020-05-08
    🔒
    Charge registered #3
    Lender: Charter Court Financial Services Limited
  41. 2019-09-02
    🔒
    Charge registered #2
    Lender: Together Commercial Finance Limited
  42. 2019-08-01
    🔒
    Charge registered #1
    Lender: Charter Court Financial Services Limited (Trading as Precise Mortgages)
  43. 2018-11-12
    🏢
    Company incorporated
    As JMAX PROPERTIES LTD
  44. 2018-11-12
    ➕
    MCLAREN, Elaine Patricia appointed
    director
  45. 2018-11-12
    ➕
    MCLAREN, Thomas Scott 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 7 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

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.

9 live charges
low

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Thomas Scott Mclaren
Individual · British · DOB 12/1975 · age 51
25–50%
25–50%board control25-50% shares · 25-50% voting · board control12/11/2018
Mrs Elaine Patricia Mclaren
Individual · British · DOB 08/1977 · age 49
25–50%
25–50%board control25-50% shares · 25-50% voting · board control12/11/2018

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
Incorporated2018-11-12
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

51 Moss Street
Paisley
PA1 1DR
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-10
Last: 2025-10-27

Officers (2 active · 0 resigned)

MCLAREN, Elaine Patricia→
director · ~49y · appointed 2018-11-12
View their other companies + combined net worth →
Active
MCLAREN, Thomas Scott→
director · ~51y · appointed 2018-11-12
View their other companies + combined net worth →
Active

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

Mortgages & charges

16
Total charges
9
Outstanding
5
Active lenders
Status:Lender:16 of 16 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property23/07/2025—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property22/07/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property21/03/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property05/08/2024—
outstanding
Paratus Amc
Paratus Amc Limited
A registered charge1 property14/10/2022—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property12/05/2022—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property28/02/2022—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property05/11/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property07/07/2021—
satisfied
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property25/03/202127/04/2026
satisfied
Clarke Signs Scotland
Clarke Signs Scotland Limited
A registered charge1 property01/02/202108/03/2022
satisfied
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property02/10/202023/07/2023
satisfied
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property28/07/202027/04/2026
satisfied
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property08/05/202019/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property02/09/201923/07/2023
satisfied
Precise Mortgages
Charter Court Financial Services Limited (Trading as Precise Mortgages)
A registered charge1 property01/08/201931/07/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (43 total)

mortgage-satisfy-charge-full
mortgage · MR04
2026-04-27
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-05-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-24
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-09
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-26