RAMIFICARE LIMITED
🌱Startupactive
SC821421 · ltd · incorporated 2024-09-02
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 Sept 2025
Net worth
£-52.6k
book net assets
Opportunity
64/100
Worth a look
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 64/100 (worth a look), 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: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
21 live charges · 3 lenders · oldest 1.3y
0/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.3 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — 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
21 charges (21/21 with lender, 21/21 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
50
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
71
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £52,564
Key financials
1 year extracted from filed iXBRL accountsCash
£3k
Net Worth
-£53k
Current Assets
£80k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 |
|---|---|
| Total assets | £231.6k |
| Current assets | £79.7k |
| Cash | £3.1k |
| Debtors | £76.7k |
| Net assets | £-52.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
4
filings
- • 3 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
- 2026-05-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-20🔒Charge registered #21Lender: Together Commercial Finance Limited
- 2025-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-12🔒Charge registered #20Lender: Shawbrook Bank Limited
- 2025-12-10🔒Charge registered #19Lender: Lendinvest Btl Limited
- 2025-11-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-10-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-10-23🔒Charge registered #18Lender: Together Commercial Finance Limited
- 2025-10-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-20🔒Charge registered #17Lender: Together Commercial Finance Limited
- 2025-10-20🔒Charge registered #16Lender: Together Commercial Finance Limited
- 2025-10-20🔒Charge registered #15Lender: Together Commercial Finance Limited
- 2025-10-17🔒Charge registered #14Lender: Together Commercial Finance Limited
- 2025-10-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-10🔓Charge satisfied #12
- 2025-10-09🔒Charge registered #13Lender: Lendinvest Btl Limited
- 2025-09-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-24🔒Charge registered #12Lender: Lendinvest Btl Limited
- 2025-09-24🔒Charge registered #11Lender: Lendinvest Btl Limited
- 2025-09-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-18🔒Charge registered #10Lender: Lendinvest Btl Limited
- 2025-09-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-09🔒Charge registered #9Lender: Together Commercial Finance Limited
- 2025-07-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-01🔒Charge registered #8Lender: Together Commercial Finance Limited
- 2025-05-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-29🔒Charge registered #7Lender: Together Commercial Finance Limited
- 2025-05-29🔒Charge registered #6Lender: Together Commercial Finance Limited
- 2025-05-13🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2025-05-13🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2025-05-13🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2025-04-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-02-13🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2025-01-14🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2024-09-02🏢Company incorporatedAs RAMIFICARE LIMITED
- 2024-09-02➕THOMSON, Emma appointeddirector
Owner dependency
80/100
Critical — business is the founderThe 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 1.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
45/100
Moderate signalSome 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 med · 2 low16 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-20: A registered charge; 2025-12-12: A registered charge; 2025-12-10: A registered charge
20 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Emma Thomson Individual · Scottish · DOB 10/1994 · age 32 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/09/2024 |
1 historic (ceased) PSC
- Mr James Thomsonceased 26/04/2025· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SR PROPERTIES AND INVESTMENTS LIMITED→ SC867772 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SSMCG LTD→ SC823523 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ST ANDREWS ESTATES (SCOTLAND) LIMITED→ SC271716 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| STAG PROPERTIES LTD.→ SC232325 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| STAR MANAGEMENT LTD→ SC725606 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| STATION HOUSE GLASGOW LTD→ SC210000 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| STAYSAGE LTD→ SC830302 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| STEYNE PROPERTY MANAGEMENT LTD→ SC705959 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| STG HOMES LTD→ SC796496 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| STIRLING PROPERTY SURVEY LTD→ SC847779 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| STONEFIELD ROOMS LTD→ SC611102 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| STORAGE WARZ LIMITED→ SC866171 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Incorporated2024-09-02
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
1 Cambuslang Court
Glasgow
G32 8FH
Scotland
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-07-16
Last: 2025-07-02
Officers (1 active · 0 resigned)
THOMSON, Emma→
Activedirector · ~32y · appointed 2024-09-02
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
21
Total charges
20
Outstanding
3
Active lenders
Status:Lender:21 of 21 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 20/01/2026 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 4 properties | 12/12/2025 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 10/12/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 23/10/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 20/10/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 20/10/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 20/10/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 17/10/2025 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 09/10/2025 | — | |
| satisfied | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 24/09/2025 | 10/10/2025 | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 24/09/2025 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 18/09/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 09/09/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 01/07/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 29/05/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 29/05/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 13/05/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 13/05/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 13/05/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 13/02/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 14/01/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (28 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-10
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-25