AJC LETTINGS LIMITED

💤Zombieactive
SC722932 · ltd · incorporated 2022-02-11
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
Upgrade to see
Turnover
year to Feb 2025
Net worth
£5.1k
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
  • 68320Management of real estate on a fee or contract basis
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. 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 (73/100).

🏦

Refinance opportunity

1 live charge · oldest 3.7y

35/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Charge age ~3.7 years — mid-life; refi window approaching.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (77/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
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
9 filings
60
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
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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £5,138

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£5k
↑ 13% YoY
Current Assets
£8k
↑ 14% YoY
Current Liabilities
£0£2k£3k£5k£6k£8kFeb 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-02-282024-02-28
Total assets£52.4k£51.8k
Current assets£8.0k£7.0k
Net assets£5.1k£4.6k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • 1 confirmation-statement
Last 180 days
2
filings
  • 1 confirmation-statement
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
  1. 2025-12-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-11-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-08-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2022-08-08
    🔒
    Charge registered #1
    Lender: Aldermore Bank PLC
  6. 2022-02-11
    🏢
    Company incorporated
    As AJC LETTINGS LIMITED
  7. 2022-02-11
    MACDOUGALL, Jacqueline appointed
    director
  8. 2022-02-11
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

83/100
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.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

55/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs Jacqueline Macdougall
Individual · Scottish · DOB 11/1965 · age 61
5075%
50–75%board control50-75% shares · 50-75% voting · board control11/02/2022

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

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
Incorporated2022-02-11
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

17 Methven Road
Kirkcaldy
Fife
KY1 1TS
United Kingdom

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-03-18
Last: 2026-03-04

Officers (1 active · 0 resigned)

MACDOUGALL, Jacqueline
director · ~61y · appointed 2022-02-11
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
Aldermore
Aldermore Bank PLC
A registered charge1 property08/08/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (9 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-17
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-17
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-05
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-10
incorporation-company
incorporation · NEWINC
2022-02-11