R-AYE LIVING LIMITED

🌱Startupactive
SC835907 · ltd · incorporated 2025-01-30
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
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Turnover
not disclosed
Net worth
book net assets
Opportunity
62/100
Worth a look
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 62/100 (worth a look), bankability 60/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

1 live charge · oldest 1.1y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 1.1 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (56/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
10 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
62/100Worth 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
64
Some moderate concerns — review flags.
Signal strength
100
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 (12 events)Click to expand
  1. 2025-10-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-10-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-07-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-06-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2025-06-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-04-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2025-04-28
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  8. 2025-02-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2025-02-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2025-01-30
    🏢
    Company incorporated
    As R-AYE LIVING LIMITED
  11. 2025-01-30
    SANROMAN AGUIRRE, Jose Manuel appointed
    director
  12. 2025-01-30
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The 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 1.3 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some 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 high · 1 low
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-03-18

Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Jose Manuel Sanroman Aguirre
Individual · British,Spanish · DOB 02/1977 · age 49
75100%
75–100%board control75-100% shares · 75-100% voting · board control30/01/2025

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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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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.

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Company details

Statusactive
Typeltd
Incorporated2025-01-30
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

6/7 East Parkside East Parkside
Edinburgh
EH16 5XJ
Scotland

Filing status

Accounts
Next due: 2026-10-30
Last made up to:
Confirmation statement
Next due: 2026-03-18OVERDUE
Last: 2025-03-04

Officers (1 active · 0 resigned)

SANROMAN AGUIRRE, Jose Manuel
director · ~49y · appointed 2025-01-30
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property28/04/2025
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (10 total)

change-person-director-company-with-change-date
officers · CH01
2025-10-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-13
change-person-director-company-with-change-date
officers · CH01
2025-06-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-04
change-person-director-company-with-change-date
officers · CH01
2025-02-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-03
incorporation-company
incorporation · NEWINC
2025-01-30