JG SCOT PROPERTIES LTD
Opportunity 65/100 (strong), bankability 55/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
8 live charges · 2 lenders · oldest 0.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.8 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (58/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 2 mortgage
- • 2 mortgage
- • 1 confirmation-statement
- • 4 mortgage
- • 1 confirmation-statement
Corporate timeline (19 events)Click to expand
- 2026-05-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-04🔒Charge registered #8Lender: Together Commercial Finance Limited
- 2026-05-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-30🔒Charge registered #7Lender: Together Commercial Finance Limited
- 2025-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19🔒Charge registered #6Lender: Paratus Amc Limited
- 2025-12-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-27🔒Charge registered #5Lender: Paratus Amc Limited
- 2025-11-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-05🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2025-11-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-28🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2025-08-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-18🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2025-08-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-01🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2025-04-08🏢Company incorporatedAs JG SCOT PROPERTIES LTD
- 2025-04-08➕GOURLAY, Jamie Edward appointeddirector
- 2025-04-08📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Young company: Only 1.1 years old — management layer unlikely to be developed.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-05-04: A registered charge; 2026-04-30: A registered charge; 2025-12-19: A registered charge
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Yeung Mei Gourlay Individual · British · DOB 05/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 08/04/2025 |
Mr Jamie Edward Gourlay Individual · British · DOB 12/1987 · age 39 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 08/04/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 04/05/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 30/04/2026 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 19/12/2025 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 27/11/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 05/11/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 28/10/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 18/08/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 01/08/2025 | — |