EMB NORTH LIMITED

🌱Startupactive
SC811644 · ltd · incorporated 2024-05-24
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 May 2025
Net worth
book net assets
Opportunity
68/100
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 68/100 (strong), bankability 47/100. 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

5 live charges · 3 lenders · oldest 1.6y

0/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Newest facility, 1.6 years old — likely still in initial term.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (71/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
5 charges (5/5 with lender, 5/5 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
1 connected companies via shared directors
48
Filing history
8 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
50
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

1 year extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-31

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

🔒Filing-note intelligence

3 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 accounts
Last 180 days
2
filings
  • 1 accounts
  • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
  1. 2026-02-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-11-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-11-24
    🔒
    Charge registered #5
    Lender: Lendinvest Btl Limited
  4. 2025-06-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-06-02
    🔒
    Charge registered #4
    Lender: Paratus Amc Limited
  6. 2024-11-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2024-11-19
    🔒
    Charge registered #3
    Lender: Together Commercial Finance Limited
  8. 2024-10-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2024-10-22
    🔒
    Charge registered #2
    Lender: Together Commercial Finance Limited
  10. 2024-10-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2024-10-08
    🔒
    Charge registered #1
    Lender: Together Commercial Finance Limited
  12. 2024-05-24
    🏢
    Company incorporated
    As EMB NORTH LIMITED
  13. 2024-05-24
    BREMNER, Matthew Krohn appointed
    director
  14. 2024-05-24
    KESSON, Emma Louise appointed
    director
  15. 2024-05-24
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

63/100
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.
  • +Young company: Only 1.9 years old — management layer unlikely to be developed.

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 low
5 live charges
low

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Matthew Krohn Bremner
Individual · British · DOB 11/1991 · age 35
2550%
25–50%board control25-50% shares · 25-50% voting · board control24/05/2024
Miss Emma Louise Kesson
Individual · British · DOB 06/1993 · age 33
2550%
25–50%board control25-50% shares · 25-50% voting · board control24/05/2024

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

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
Incorporated2024-05-24
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

18 Raeden Avenue
Aberdeen
AB15 5LP
Scotland

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-06
Last: 2025-05-23

Officers (2 active · 0 resigned)

BREMNER, Matthew Krohn
director · ~35y · appointed 2024-05-24
View their other companies + combined net worth →
Active
KESSON, Emma Louise
director · ~33y · appointed 2024-05-24
View their other companies + combined net worth →
Active

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

Mortgages & charges

5
Total charges
5
Outstanding
3
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
LendInvest
Lendinvest Btl Limited
A registered charge1 property24/11/2025
outstanding
Paratus Amc
Paratus Amc Limited
A registered charge1 property02/06/2025
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property19/11/2024
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property22/10/2024
outstanding
Together Money
Together Commercial Finance Limited
A registered charge08/10/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (8 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-09
incorporation-company
incorporation · NEWINC
2024-05-24