FLEMING PROPERTY INVESTMENTS LTD
💤Zombieactive
SC653435 · ltd · incorporated 2020-02-04
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£26.2k
book net assets
Opportunity
66/100
Strong
What this business does
Primary activity: Management of real estate on a fee or contract basis
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 66/100 (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. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
14 live charges · 6 lenders · oldest 5.8y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.8 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
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
14 charges (14/14 with lender, 14/14 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
28 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
66/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
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 £26,152
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£26k
↑ 38% YoY
Current Assets
£6k
↓ 81% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £501.2k | £390.8k |
| Current assets | £6.0k | £31.1k |
| Net assets | £26.2k | £18.9k |
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
2
filings
- • 1 confirmation-statement
- • 1 mortgage
Last 180 days
5
filings
- • 3 mortgage
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
- 2026-02-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-06🔒Charge registered #14Lender: The Mortgage Works (UK) PLC
- 2026-01-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-25🔒Charge registered #13Lender: Paragon Bank PLC
- 2025-12-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-23🔓Charge satisfied #2
- 2025-11-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-06-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-12🔒Charge registered #12Lender: The Mortgage Works (UK) PLC
- 2025-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-22🔒Charge registered #11Lender: Aldermore Bank PLC
- 2025-05-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-08🔒Charge registered #10Lender: Aldermore Bank PLC
- 2024-11-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-18🔒Charge registered #9Lender: The Mortgage Lender Limited
- 2024-03-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-21🔒Charge registered #8Lender: Paragon Bank PLC
- 2023-11-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-06🔒Charge registered #7Lender: Mortgage Works (UK) PLC
- 2022-06-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-31🔒Charge registered #6Lender: Kensington Mortgage Company Limited
- 2021-12-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-29🔒Charge registered #5Lender: Paragon Bank PLC
- 2021-11-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-10-15🔒Charge registered #4Lender: Paragon Bank PLC
- 2021-05-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-07🔒Charge registered #3Lender: Paragon Bank PLC
- 2020-12-23🔒Charge registered #2Lender: The Mortgage Lender Limited
- 2020-07-03🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2020-02-04🏢Company incorporatedAs FLEMING PROPERTY INVESTMENTS LTD
- 2020-02-04➕FLEMING, Graham Alexander appointeddirector
Owner dependency
95/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "FLEMING" — strong identity link between founder and business.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med · 1 low5 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-02-06: A registered charge; 2025-12-25: A registered charge; 2025-06-12: A registered charge
13 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Graham Alexander Fleming Individual · British · DOB 07/1971 · age 55 | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest | 04/02/2020 |
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 · IV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| KEY INVESTMENT SOLUTION LTD→ SC466633 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| KEYSTONE PROPERTIES (MONTROSE) LIMITED→ SC261608 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| KINELLAN BUILDING LTD→ SC331246 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| KINTAIL (PROPERTIES) LTD→ SC636974 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| KNOCKGRENA LTD→ SC823725 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| KRM SKYE LTD→ SC806000 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| KYLE & LOCHALSH COMMUNITY TRUST→ SC430036 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| KYLEAKIN FEUS, LIMITED→ SC028292 · est 1951 · no financials extracted | — | — | — | — | 74y | — | — |
| LASHLEY HOMES LIMITED→ SC546666 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| LAWNMARKET LIMITED→ SC547525 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| LAWSON PROPERTY ENTERPRISES LIMITED→ SC855244 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LEEM PROPERTY LIMITED→ SC678145 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2020-02-04
Jurisdictionscotland
Primary SIC68320 — Management of real estate on a fee or contract basis
Registered office
Coastguard House
Dunbar Street
Lossiemouth
IV31 6AG
United Kingdom
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03
Officers (1 active · 0 resigned)
FLEMING, Graham Alexander→
Activedirector · ~55y · appointed 2020-02-04
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
14
Total charges
13
Outstanding
6
Active lenders
Status:Lender:14 of 14 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 06/02/2026 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 25/12/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 12/06/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | — | 22/05/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 08/05/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 18/07/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 21/03/2024 | — | |
| outstanding | Mortgage Works (UK) Mortgage Works (UK) PLC | A registered charge | 1 property | 06/10/2022 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 31/05/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 29/11/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 15/10/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 2 properties | 07/05/2021 | — | |
| satisfied | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 23/12/2020 | 23/12/2025 | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 03/07/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (28 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-05
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-23
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-30
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-29