JONA PROPERTIES LTD

🌿Early-stageactive
SC733525 · ltd · incorporated 2022-05-25
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 3.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£4.4k
book net assets
Opportunity
70/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 70/100 (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

4 live charges · oldest 3.7y

75/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Charge age ~3.7 years — mid-life; refi window approaching.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
4 charges (4/4 with lender, 4/4 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
13 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
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
77
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 £4,360
Cash YoY
+38%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£18k
↑ 38% YoY
Net Worth
£4k
↑ 304% YoY
Current Assets
£19k
↑ 36% YoY
Current Liabilities
—
-£2k£2k£6k£11k£15k£19kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Total assets£148.8k£142.3k
Current assets£19.0k£14.0k
Cash£18.3k£13.2k
Debtors£750£750
Net assets£4.4k£-2.1k

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 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-09-02
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2022-09-02
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2022-09-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2022-09-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2022-09-02
    🔓
    Charge satisfied #2
  9. 2022-09-02
    🔓
    Charge satisfied #1
  10. 2022-09-01
    🔒
    Charge registered #4
    Lender: The Mortgage Works (UK) PLC
  11. 2022-09-01
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  12. 2022-08-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2022-08-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2022-08-18
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  15. 2022-08-18
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  16. 2022-05-25
    🏢
    Company incorporated
    As JONA PROPERTIES LTD
  17. 2022-05-25
    ➕
    GOURLAY, Lynsey appointed
    director
  18. 2022-05-25
    ➕
    GOURLAY, Scott appointed
    director
  19. 2022-05-25
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

66/100
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.

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 ·
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.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Lynsey Gourlay
Individual · British · DOB 09/1979 · age 47
25–50%
25–50%25-50% shares · 25-50% voting25/05/2022
Mr Scott Gourlay
Individual · British · DOB 08/1981 · age 45
25–50%
25–50%25-50% shares · 25-50% voting25/05/2022

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

7 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
Incorporated2022-05-25
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

7 Birsay Gardens
Broughty Ferry
Dundee
Angus
DD5 3BS
Scotland

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-07
Last: 2025-05-24

Officers (2 active · 0 resigned)

GOURLAY, Lynsey→
director · ~47y · appointed 2022-05-25
View their other companies + combined net worth →
Active
GOURLAY, Scott→
director · ~45y · appointed 2022-05-25
View their other companies + combined net worth →
Active

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

Mortgages & charges

4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge2 properties01/09/2022—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge2 properties01/09/2022—
satisfied
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge2 properties18/08/202202/09/2022
satisfied
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge2 properties18/08/202202/09/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (13 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-07
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-02
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-09-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-09-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-19
incorporation-company
incorporation · NEWINC
2022-05-25