4JL LTD
🏛️Establishedactive
SC616115 · ltd · incorporated 2018-12-13
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 7.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£130.1k
book net assets
Opportunity
74/100
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 bankable structure.
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
3 live charges · oldest 7.0y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £130,051
Cash YoY
+364%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£175k
↑ 364% YoY
Net Worth
£130k
↑ 1260% YoY
Current Assets
£201k
↑ 195% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £152.8k | £270.4k |
| Current assets | £200.8k | £68.1k |
| Cash | £174.8k | £37.6k |
| Debtors | £26.0k | £30.4k |
| Net assets | £130.1k | £-11.2k |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-29📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-04-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-28📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-28📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-05-30🔒Charge registered #3Lender: Bank of Scotland PLC
- 2019-05-29🔒Charge registered #2Lender: Bank of Scotland PLC
- 2019-04-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-04-10🔒Charge registered #1Lender: Bank of Scotland PLC
- 2019-03-06📄change-person-secretary-company-with-change-dateofficers · CH03
- 2019-01-31➕CURRIE, James Ian appointedsecretary
- 2019-01-31➕CURRIE, James Ian appointeddirector
- 2019-01-31➕CURRIE, Jo-Anne appointeddirector
- 2019-01-31➖WEBB, John Raymond Prince resigneddirector
- 2018-12-13🏢Company incorporatedAs 4JL LTD
- 2018-12-13➕WEBB, John Raymond Prince appointeddirector
Owner dependency
66/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Jo-Anne Currie Individual · British · DOB 05/1984 · age 42 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 31/01/2019 |
Mr James Ian Currie Individual · British · DOB 11/1983 · age 43 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 31/01/2019 |
1 historic (ceased) PSC
- Mr John Raymond Prince Webbceased 31/01/2019· 75-100% shares · 75-100% voting
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 · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AS93 LTD→ SC739497 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ASKO COMMERCIAL PROPERTY LIMITED→ SC811119 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASL INVESTMENTS LIMITED→ SC333364 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ASSETECH LTD→ SC871867 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| B&K PARTNERS LTD→ SC693690 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BADB PROPERTY LIMITED→ SC858504 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BANMAN HOLDINGS LTD→ SC751357 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BAYFORD GREEN LTD→ SC674994 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BEACHDAZE LIMITED→ SC745375 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BEAMARR PROPERTY LTD→ SC787243 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BEECHSIDE PROPERTIES LIMITED→ SC856854 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BELVACK LIMITED→ SC067367 · est 1979 · no financials extracted | — | — | — | — | 47y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2018-12-13
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Bonnyview
Lintmill
Cullen
Aberdeenshire
AB56 4TA
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-26
Last: 2025-12-12
Officers (3 active · 1 resigned)
Active
CURRIE, James Ian→
Activedirector · ~43y · appointed 2019-01-31
View their other companies + combined net worth →
CURRIE, Jo-Anne→
Activedirector · ~42y · appointed 2019-01-31
View their other companies + combined net worth →
WEBB, John Raymond Prince→
Resigneddirector · ~60y · appointed 2018-12-13 · resigned 2019-01-31
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 30/05/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 29/05/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 10/04/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (36 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-16
change-person-secretary-company-with-change-date
officers · CH03
2022-04-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-04-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-04-28
change-person-director-company-with-change-date
officers · CH01
2022-04-28
change-person-director-company-with-change-date
officers · CH01
2022-04-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-04-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-04-05