JPR SERVICES LIMITED
🌳Matureactive
SC075509 · ltd · incorporated 1981-07-10
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
76/100
Strong
What this business does
Primary activity: Construction of commercial buildings
Sector: Construction
ALSO REGISTERED FOR
- 68100Buying and selling of own real estate
- 96090Other service activities n.e.c.
Investor take
PursueActive trading company with a 78-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 78). Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
14 live charges · 5 lenders · oldest 37.2y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 37.2 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
14 charges (14/14 with lender, 14/14 with type)
90
Directors & officers
5 officers (4 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
131 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 miscellaneous
Last 90 days
2
filings
- • 1 miscellaneous
- • 1 accounts
Last 180 days
3
filings
- • 1 miscellaneous
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
- 2026-04-07📄legacymiscellaneous · ANNOTATION
- 2026-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-05📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-08🔒Charge registered #15Lender: Lloyds Bank Corporate Markets PLC
- 2023-03-08🔒Charge registered #14Lender: Bank of Scotland PLC
- 2022-12-13📄accounts-with-accounts-type-smallaccounts · AA
- 2021-12-17📄accounts-with-accounts-type-smallaccounts · AA
- 2021-08-19📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2021-08-19📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2021-08-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-06🔒Charge registered #11Lender: Lloyds Bank Corporate Markets PLC
- 2021-08-04🔒Charge registered #13Lender: Bank of Scotland PLC
- 2021-08-04🔒Charge registered #12Lender: Lloyds Bank Corporate Markets PLC
- 2021-02-01📄accounts-with-accounts-type-smallaccounts · AA
- 2020-12-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-09➖RAY, Paul Ian resigneddirector
- 2020-01-29📄accounts-with-accounts-type-smallaccounts · AA
- 2019-03-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-05-14🔒Charge registered #10Lender: Bank of Scotland PLC
- 2018-03-07🔒Charge registered #9Lender: Bank of Scotland PLC, the Creditor as Defined in the Instrument Evidencing the Charge Accompanying This Form MR01
- 2018-03-07🔒Charge registered #8Lender: Bank of Scotland PLC
- 2011-07-01➕RAY, John Christopher appointeddirector
- 2011-07-01➕RAY, Paul Ian appointeddirector
- 2009-09-26🔓Charge satisfied #7
- 2008-12-15➕CHISHOLM, Bruce appointeddirector
- 1998-12-01🔒Charge registered #7Lender: The Governor and Company of the Bank of Scotland
- 1993-10-22🔓Charge satisfied #3
- 1993-10-22🔓Charge satisfied #2
- 1993-10-22🔓Charge satisfied #1
- 1993-07-26🔒Charge registered #5Lender: The Governor and Company of the Bank of Scotland
- 1991-05-28🔓Charge satisfied #4
- 1989-10-02🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 1989-04-24🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 1989-04-24🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1989-02-03🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1981-07-10🏢Company incorporatedAs JPR SERVICES LIMITED
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 78 — succession pressure is live.
Succession & seller-readiness
83/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 45 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
9 live charges
lowHeavily 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 |
|---|---|---|---|---|
Mr John Christopher Ray Individual · United Kingdom · DOB 04/1981 · age 45 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mr Paul Ian Ray Individual · United Kingdom · DOB 10/1979 · age 47 | 25–50% | — | 25-50% shares | 06/04/2016 |
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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| A & R DRYWALLS LTD→ SC482487 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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| ALPHA FENCING LIMITED→ SC206616 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated1981-07-10
Jurisdictionscotland
Primary SIC41201 — Construction of commercial buildings
Registered office
Unit 14 Ashley Base Pitmedden Road
Dyce
Aberdeen
AB21 0DP
Scotland
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-01-19
Last: 2026-01-05
Officers (4 active · 1 resigned)
Active
CHISHOLM, Bruce→
Activedirector · ~74y · appointed 2008-12-15
View their other companies + combined net worth →
RAY, John Christopher→
Activedirector · ~45y · appointed 2011-07-01
View their other companies + combined net worth →
Active
RAY, Paul Ian→
Resigneddirector · ~47y · appointed 2011-07-01 · resigned 2020-12-09
Click a director name to see their full track record across all companies.
Mortgages & charges
14
Total charges
9
Outstanding
1
Active lenders
Status:Lender:14 of 14 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 1 property | 08/03/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 08/03/2023 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | 1 property | 06/08/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 04/08/2021 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Corporate Markets PLC | A registered charge | — | 04/08/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 14/05/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC, the Creditor as Defined in the Instrument Evidencing the Charge Accompanying This Form MR01 | A registered charge | — | 07/03/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 07/03/2018 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 01/12/1998 | 26/09/2009 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 26/07/1993 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 02/10/1989 | 28/05/1991 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 24/04/1989 | 22/10/1993 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 24/04/1989 | 22/10/1993 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 03/02/1989 | 22/10/1993 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (131 total)
legacy
miscellaneous · ANNOTATION
2026-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-05
change-person-director-company-with-change-date
officers · CH01
2024-01-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-05
accounts-with-accounts-type-small
accounts · AA
2022-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-05
accounts-with-accounts-type-small
accounts · AA
2021-12-17
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2021-08-19