RLMMM LTD
🏛️Establishedactive
SC647452 · ltd · incorporated 2019-11-19
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 Nov 2024
Net worth
£102.5k
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 98000Residents property management
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 70/100 (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
8 live charges · 3 lenders · oldest 4.7y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.7 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
8 charges (8/8 with lender, 8/8 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
22 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
70/100Strong
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £102,541
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£103k
Current Assets
£34k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Turnover | — | £84.6k |
| Total assets | £692.9k | — |
| Current assets | £34.5k | — |
| Net assets | £102.5k | — |
| Average employees | — | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (27 events)Click to expand
- 2025-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-07-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-16🔒Charge registered #8Lender: The Mortgage Lender Limited
- 2025-07-16🔒Charge registered #7Lender: The Mortgage Lender Limited
- 2024-11-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-25🔓Charge satisfied #3
- 2024-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-23🔒Charge registered #6Lender: Aldermore Bank PLC
- 2024-01-23🔒Charge registered #5Lender: Aldermore Bank PLC
- 2023-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-04🔒Charge registered #4Lender: Aldermore Bank PLC
- 2022-04-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-29🔒Charge registered #3Lender: Aldermore Bank PLC
- 2022-03-23🔒Charge registered #2Lender: Paragon Bank PLC
- 2021-09-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-08-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-27🔒Charge registered #1Lender: Paragon Bank PLC
- 2019-11-19🏢Company incorporatedAs RLMMM LTD
- 2019-11-19➕MCMATH, Alan Alistair appointeddirector
- 2019-11-19➕SMITH, Colin appointeddirector
- 2019-11-19📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
High — earn-out structure requiredMaterial 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.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited 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 low7 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alan Alistair Mcmath Individual · British · DOB 08/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 19/11/2019 |
Mr Colin Smith Individual · British · DOB 07/1982 · age 44 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 19/11/2019 |
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 · Property · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| R&R CO COMMERCIAL LIMITED→ SC764545 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| R&R CO ESTATES LTD→ SC698408 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| R&R CO LETTINGS LIMITED→ SC764547 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| RETTIE & COMPANY TRUSTEE LIMITED→ SC254125 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| RISE PROPERTY INVESTMENT LIMITED→ SC584052 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| RISE PROPERTY RESI LTD→ SC641802 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| RIVERFORD PROPERTIES LTD→ SC694392 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| RIVERROCK HOMES LTD→ SC696456 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ROMAN ADMINISTRATION LTD→ SC876172 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ROSEBURN ESTATES LTD→ SC866388 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ROSEHEATH LIMITED→ SC147613 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| ROSEISLE PROPERTY LTD→ SC648162 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2019-11-19
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Unit 3 Leithen Workshops
Leithen Road
Innerleithen
EH44 6HY
Scotland
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2027-03-20
Last: 2026-03-06
Officers (2 active · 0 resigned)
MCMATH, Alan Alistair→
Activedirector · ~38y · appointed 2019-11-19
View their other companies + combined net worth →
SMITH, Colin→
Activedirector · ~44y · appointed 2019-11-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
7
Outstanding
3
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 2 properties | 16/07/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 2 properties | 16/07/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 23/01/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 23/01/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 04/04/2022 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | — | 29/03/2022 | 25/11/2024 | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 23/03/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 27/08/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (22 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-11-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-04-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-04-01