GRAMPIAN LANE LIMITED

🌿Early-stageactive
SC772323 · ltd · incorporated 2023-06-12
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
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Turnover
year to Jun 2025
Net worth
£39.7k
book net assets
Opportunity
67/100
Strong
🔔
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 67/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

7 live charges · oldest 2.5y

50/100
clean up first

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

  • · Newest facility, 2.5 years old — likely still in initial term.
  • · 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, 1 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
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
Network not yet resolved
30
Filing history
12 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
67/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
50
Adequate — check latest filings for context.
Acquirability
50
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 declared
Positive net assets
Net assets £39,746
Cash YoY
+109%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£88k
↑ 109% YoY
Net Worth
£40k
↑ 1234% YoY
Current Assets
Current Liabilities
-£4k£15k£33k£51k£70k£88kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Total assets£139.7k£96.5k
Cash£87.9k£42.1k
Net assets£39.7k£-3.5k

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
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. 2026-02-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2023-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2023-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2023-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2023-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2023-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2023-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2023-11-17
    🔒
    Charge registered #7
    Lender: Handelsbanken PLC
  11. 2023-11-17
    🔒
    Charge registered #6
    Lender: Handelsbanken PLC
  12. 2023-11-17
    🔒
    Charge registered #5
    Lender: Handelsbanken PLC
  13. 2023-11-17
    🔒
    Charge registered #4
    Lender: Handelsbanken PLC
  14. 2023-11-17
    🔒
    Charge registered #3
    Lender: Handelsbanken PLC
  15. 2023-11-17
    🔒
    Charge registered #2
    Lender: Handelsbanken PLC
  16. 2023-11-09
    🔒
    Charge registered #1
    Lender: Handelsbanken PLC
  17. 2023-06-12
    🏢
    Company incorporated
    As GRAMPIAN LANE LIMITED
  18. 2023-06-12
    WERNINCK, Paul appointed
    director
  19. 2023-06-12
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The 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.
  • +Young company: Only 2.9 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some 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 low
7 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Paul Werninck
Individual · British · DOB 03/1980 · age 46
75100%
75–100%board control75-100% shares · 75-100% voting · board control12/06/2023

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

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
Incorporated2023-06-12
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

5 India Lane
Montrose
Angus
DD10 8PN
Scotland

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-25
Last: 2025-06-11

Officers (1 active · 0 resigned)

WERNINCK, Paul
director · ~46y · appointed 2023-06-12
View their other companies + combined net worth →
Active

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

Mortgages & charges

7
Total charges
7
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Handelsbanken
Handelsbanken PLC
A registered charge1 property17/11/2023
outstanding
Handelsbanken
Handelsbanken PLC
A registered charge1 property17/11/2023
outstanding
Handelsbanken
Handelsbanken PLC
A registered charge1 property17/11/2023
outstanding
Handelsbanken
Handelsbanken PLC
A registered charge1 property17/11/2023
outstanding
Handelsbanken
Handelsbanken PLC
A registered charge1 property17/11/2023
outstanding
Handelsbanken
Handelsbanken PLC
A registered charge1 property17/11/2023
outstanding
Handelsbanken
Handelsbanken PLC
A registered charge09/11/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (12 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-20
incorporation-company
incorporation · NEWINC
2023-06-12