ISLAND MADE STAYS LTD
🌱Startupactive
SC822231 · ltd · incorporated 2024-09-10
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
—
not disclosed
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and structurally messy structure.
Opportunity 70/100 (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
6 live charges · 3 lenders · oldest 1.4y
0/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.4 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 (61/100)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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
4 active PSC(s) of 4 total, 4 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
15 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-01-14📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-10-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-08🔒Charge registered #6Lender: Paratus Amc Limited
- 2025-10-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-02🔓Charge satisfied #4
- 2025-10-02🔓Charge satisfied #2
- 2025-07-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-17🔒Charge registered #5Lender: Paratus Amc Limited
- 2025-03-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-01-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-14🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2024-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-23🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2024-12-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-10🔒Charge registered #1Lender: Lendinvest Security Trustees Limited
- 2024-12-06🔒Charge registered #3Lender: Lendinvest Security Trustees Limited
- 2024-10-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-10-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-09-10🏢Company incorporatedAs ISLAND MADE STAYS LTD
- 2024-09-10➕RUSSELL, Andrew Stewart appointeddirector
- 2024-09-10➕SMITH, Steven Peter appointeddirector
- 2024-09-10📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
High — earn-out structure requiredMaterial 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 1.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
36/100
Weak signalLimited 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 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
2 corporate shareholders identified. Group structure is distributed.
🏛️significant stake
Diligent Investment Holdings Ltd
Corporate parent · holds 25-50% shares · board control
🏛️significant stake
Island Made Holdings Ltd
Corporate parent · holds 25-50% shares · board control
⬇
ISLAND MADE STAYS LTD
This company · SC822231
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
4 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Diligent Investment Holdings Ltd Corporate entity | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control · firm interest | 17/09/2024 |
Island Made Holdings Ltd Corporate entity | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control · firm interest | 17/09/2024 |
Mr Steven Peter Smith Individual · British · DOB 12/1986 · age 40 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/09/2024 |
Mr Andrew Stewart Russell Individual · Scottish · DOB 03/1972 · age 54 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/09/2024 |
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 →Similar companies
Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| LEASE PARTNERSHIPS LTD→ SC802000 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| LEASELORDS LIMITED→ SC837137 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| LEASK ESTATES LTD→ SC877796 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| LECKETHILL PROPERTIES LTD→ SC777840 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| LEK PROPERTIES LTD→ SC866862 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LEMAC PROPCO LIMITED→ SC476076 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| LEMAY INVESTMENTS LIMITED→ SC253839 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| LEMON2017 LIMITED→ SC573274 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| LENNON PROPERTY LTD→ SC708702 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| LENORA INVESTMENTS LIMITED→ SC097955 · est 1986 · no financials extracted | — | — | — | — | 40y | — | — |
| LEON PROPERTY SCOTLAND LTD→ SC646300 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| LEOSANTOS LIMITED→ SC811022 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2024-09-10
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
1 Cambuslang Court
Cambuslang
Glasgow
Strathclyde
G32 8FH
United Kingdom
Filing status
Accounts
Next due: 2026-06-10
Last made up to: —
Confirmation statement
Next due: 2026-10-31
Last: 2025-10-17
Officers (2 active · 0 resigned)
RUSSELL, Andrew Stewart→
Activedirector · ~54y · appointed 2024-09-10
View their other companies + combined net worth →
SMITH, Steven Peter→
Activedirector · ~40y · appointed 2024-09-10
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
4
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 08/10/2025 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 17/07/2025 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 14/01/2025 | 02/10/2025 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | — | 23/12/2024 | 02/10/2025 | |
| outstanding | LendInvest Lendinvest Security Trustees Limited | A registered charge | 1 property | 10/12/2024 | — | |
| outstanding | LendInvest Lendinvest Security Trustees Limited | A registered charge | — | 06/12/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (15 total)
change-account-reference-date-company-current-extended
accounts · AA01
2026-01-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-13
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-02
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-10-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-10-18
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-17
incorporation-company
incorporation · NEWINC
2024-09-10