DIVERSITY RENTALS LIMITED

🌱Startupactive
SC816068 · ltd · incorporated 2024-07-10
Investment thesis
Unencumbered property vehicle — clean asset-backed target with refinance headroom.
Why interesting: Property-holding entity with no live charges; straightforward asset-backed case.
Why risky: Values depend on title and valuation; property-specific market exposure.
🔒Estimated value
Upgrade to see
Turnover
not disclosed
Net worth
book net assets
Opportunity
61/100
Worth a look
🔔
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What this business does
Primary activity: Renting and operating of Housing Association real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 61/100 (worth a look), bankability 45/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: strategic trade sale (38/100).

Data confidence

Overall: medium (55/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
2 filings — limited history
30
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
61/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
45
Concerning — overdue filings or status flags present.
Acquirability
55
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (5 events)Click to expand
  1. 2024-07-10
    🏢
    Company incorporated
    As DIVERSITY RENTALS LIMITED
  2. 2024-07-10
    LOVIE, Colin James appointed
    director
  3. 2024-07-10
    LOVIE, Ryan James appointed
    director
  4. 2024-07-10
    LOVIE, Tracie Anne appointed
    director
  5. 2024-07-10
    📄
    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
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +Young company: Only 1.8 years old — management layer unlikely to be developed.

Succession & seller-readiness

30/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

Red flags

1 high ·
Accounts overdue
high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2026-04-10

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Tracie Anne Lovie
Individual · British · DOB 11/1981 · age 45
2550%
25–50%board control25-50% shares · 25-50% voting · board control10/07/2024
Mr Ryan James Lovie
Individual · British · DOB 05/2002 · age 24
2550%
25–50%board control25-50% shares · 25-50% voting · board control10/07/2024
Mr Colin James Lovie
Individual · British · DOB 11/1972 · age 54
2550%
25–50%board control25-50% shares · 25-50% voting · board control10/07/2024

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.

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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.

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🔒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.

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Company details

Statusactive
Typeltd
Incorporated2024-07-10
Jurisdictionscotland
Primary SIC68201 — Renting and operating of Housing Association real estate

Registered office

Unit 3 83 North Castle Street
Banff
AB45 1JJ
Scotland

Filing status

Accounts
Next due: 2026-04-10OVERDUE
Last made up to:
Confirmation statement
Next due: 2026-07-23
Last: 2025-07-09

Officers (3 active · 0 resigned)

LOVIE, Colin James
director · ~54y · appointed 2024-07-10
View their other companies + combined net worth →
Active
LOVIE, Ryan James
director · ~24y · appointed 2024-07-10
View their other companies + combined net worth →
Active
LOVIE, Tracie Anne
director · ~45y · appointed 2024-07-10
View their other companies + combined net worth →
Active

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

Recent filings (2 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-22
incorporation-company
incorporation · NEWINC
2024-07-10