AJR LEGACY PROPERTIES (SCOTLAND) LTD
Opportunity 71/100 (strong), bankability 70/100. 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
2 live charges · 2 lenders · oldest 1.2y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.2 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (70/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-08-31 |
|---|---|
| Average employees | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 mortgage
Corporate timeline (9 events)Click to expand
- 2025-12-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-09🔒Charge registered #2Lender: Shawbrook Bank Limited
- 2025-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-27🔒Charge registered #1Lender: The Mortgage Lender Limited
- 2023-08-30🏢Company incorporatedAs AJR LEGACY PROPERTIES (SCOTLAND) LTD
- 2023-08-30➕JOSEPH, Jibu appointedsecretary
- 2023-08-30➕JOSEPH, Jibu, Dr appointeddirector
- 2023-08-30📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Young company: Only 2.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Dr Jibu Joseph Individual · British · DOB 05/1980 · age 46 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/08/2023 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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| AM PLUS LETTINGS LTD→ SC818783 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 09/12/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 27/02/2025 | — |