MONTROSE ACCOMMODATION LTD

🏛️Establishedactive
SC689089 · ltd · incorporated 2021-02-15
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 3.9y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
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Turnover
—
year to Mar 2025
Net worth
£16.5k
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
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 3.9y

60/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Charge age ~3.9 years — mid-life; refi window approaching.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (82/100)

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
2 charges (2/2 with lender, 2/2 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
8 connected companies via shared directors
69
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
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 102
Positive net assets
Net assets £16,524
Cash YoY
+46%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£18k
↑ 46% YoY
Net Worth
£17k
↑ 99% YoY
Current Assets
£19k
↑ 54% YoY
Current Liabilities
—
£0£4k£8k£12k£16k£19kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£164.7k£33.9k
Current assets£19.5k£12.6k
Cash£18.5k£12.6k
Debtors£970—
Net assets£16.5k£8.3k

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

🔒Filing-note intelligence

2 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
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-06-06
    🔒
    Charge registered #2
    Lender: Paratus Amc Limited
  5. 2024-04-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2024-04-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-04-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2024-04-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2024-01-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2023-12-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-11-14
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  13. 2022-08-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2022-08-09
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  15. 2022-05-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2022-04-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2022-04-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2022-04-12
    ➕
    FLEMING, Elaine appointed
    director
  19. 2021-02-15
    🏢
    Company incorporated
    As MONTROSE ACCOMMODATION LTD
  20. 2021-02-15
    ➕
    FLEMING, Craig Charles appointed
    director
  21. 2021-02-15
    📄
    incorporation-company
    incorporation · NEWINC

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 5 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
Mrs Elaine Fleming
Individual · Scottish · DOB 05/1980 · age 46
25–50%
25–50%25-50% shares · 25-50% voting12/04/2022
Mr Craig Charles Fleming
Individual · British · DOB 06/1987 · age 39
25–50%
25–50%25-50% shares · 25-50% voting15/02/2021

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

6 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
Incorporated2021-02-15
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

12 Salisbury Place
Arbroath
DD11 2AE
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-28
Last: 2026-04-14

Officers (2 active · 0 resigned)

FLEMING, Craig Charles→
director · ~39y · appointed 2021-02-15
View their other companies + combined net worth →
Active
FLEMING, Elaine→
director · ~46y · appointed 2022-04-12
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Paratus Amc
Paratus Amc Limited
A registered charge1 property06/06/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property09/08/2022—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (22 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-26
change-person-director-company-with-change-date
officers · CH01
2024-04-26
change-person-director-company-with-change-date
officers · CH01
2024-04-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-15
change-account-reference-date-company-previous-extended
accounts · AA01
2022-11-14