CHOICE INVESTMENTS LTD
🏛️Establishedactive
SC666673 · ltd · incorporated 2020-07-07
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 Jul 2025
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68320Management of real estate on a fee or contract basis
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
7 live charges · 3 lenders · oldest 4.8y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.8 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: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
7 charges (7/7 with lender, 7/7 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
Network not yet resolved
30
Filing history
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Average employees | 2 | 200 |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-04-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-11🔒Charge registered #7Lender: Together Commercial Finance Limited
- 2024-06-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-31🔒Charge registered #6Lender: Together Commercial Finance Limited
- 2024-04-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-30🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2023-04-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-05-04🔓Charge satisfied #1
- 2022-03-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-23🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2022-03-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-11🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2022-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-01-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-01-20🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2021-07-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-12🔒Charge registered #1Lender: The Mortgage Lender Limited
- 2021-06-09📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-07🏢Company incorporatedAs CHOICE INVESTMENTS LTD
- 2020-07-07➕SMALL, Craig appointeddirector
- 2020-07-07➕SMALL, Yvonne appointeddirector
- 2020-07-07📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +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 low6 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 Craig Small Individual · British · DOB 08/1985 · age 41 | 25–50% | — | 25-50% shares | 07/07/2020 |
Yvonne Small Individual · British · DOB 07/1982 · age 44 | 25–50% | — | 25-50% shares | 07/07/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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
Incorporated2020-07-07
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
3 Castle Court
Carnegie Campus
Dunfermline
KY11 8PB
United Kingdom
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-06-23
Last: 2025-06-09
Officers (2 active · 0 resigned)
SMALL, Craig→
Activedirector · ~41y · appointed 2020-07-07
View their other companies + combined net worth →
SMALL, Yvonne→
Activedirector · ~44y · appointed 2020-07-07
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
6
Outstanding
2
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 11/06/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 31/05/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 30/05/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 23/03/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 11/03/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 20/01/2022 | — | |
| satisfied | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 12/07/2021 | 04/05/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (22 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-17
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-09
mortgage-satisfy-charge-full
mortgage · MR04
2022-05-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-25