AY INVESTMENTS LTD
💤Zombieactive
SC750407 · ltd · incorporated 2022-11-15
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
—
not disclosed
Net worth
—
book net assets
Opportunity
68/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 68/100 (strong), bankability 52/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
14 live charges · 3 lenders · oldest 3.3y
5/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.3 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (58/100)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
14 charges (14/14 with lender, 14/14 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
4 connected companies via shared directors
57
Filing history
24 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 mortgage
Last 90 days
3
filings
- • 2 accounts
- • 1 mortgage
Last 180 days
5
filings
- • 3 accounts
- • 1 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
- 2026-04-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-15🔒Charge registered #14Lender: Shawbrook Bank Limited
- 2026-03-17📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2026-03-17📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2025-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-04🔒Charge registered #13Lender: Shawbrook Bank Limited
- 2024-09-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-19🔒Charge registered #12Lender: Aldermore Bank PLC
- 2024-07-19🔒Charge registered #11Lender: Aldermore Bank PLC
- 2024-07-19🔒Charge registered #10Lender: Aldermore Bank PLC
- 2024-07-19🔒Charge registered #9Lender: Aldermore Bank PLC
- 2024-07-19🔒Charge registered #8Lender: Aldermore Bank PLC
- 2024-07-19🔒Charge registered #7Lender: Aldermore Bank PLC
- 2024-07-19🔒Charge registered #6Lender: Aldermore Bank PLC
- 2024-07-19🔒Charge registered #5Lender: Aldermore Bank PLC
- 2024-07-19🔒Charge registered #4Lender: Aldermore Bank PLC
- 2024-07-19🔒Charge registered #3Lender: Aldermore Bank PLC
- 2024-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-15🔒Charge registered #2Lender: Aldermore Bank PLC
- 2023-01-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-01-12🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2022-11-15🏢Company incorporatedAs AY INVESTMENTS LTD
- 2022-11-15➕SUMMEL, Davinder Singh appointeddirector
- 2022-11-15📄incorporation-companyincorporation · NEWINC
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
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome 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 low14 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Davinder Singh Summel Individual · British · DOB 09/1990 · age 36 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 15/11/2022 |
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 · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ARRAN PROPERTY COMPANY LTD→ SC854400 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARUNA PROPERTIES LTD→ SC762676 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ASSURED PROPERTY GROUP LTD→ SC733179 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AUCHINGRAMONT INVESTMENTS LIMITED→ SC522895 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AYRSHIRE & GLASGOW PROPERTY LTD→ SC866874 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AYRSHIRE LETTING AND SALES LTD→ SC488988 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AYRSHIRE LETTING LTD→ SC800075 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AYRSHIRE PROPERTY HUB LTD→ SC880958 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BA AND CM PROPERTY SOLUTIONS LIMITED→ SC851459 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BALERNO HOLDINGS LTD→ SC616557 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BAMBER PROPERTY SERVICES LIMITED→ SC818941 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BARON HEALTHCARE (SALTCOATS) LIMITED→ SC341750 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2022-11-15
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
10 Piersland Place
Irvine
KA11 1QF
Scotland
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-28
Last: 2025-11-14
Officers (1 active · 0 resigned)
SUMMEL, Davinder Singh→
Activedirector · ~36y · appointed 2022-11-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
14
Total charges
14
Outstanding
3
Active lenders
Status:Lender:14 of 14 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 15/04/2026 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 04/12/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 19/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 15/01/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 12/01/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (24 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-23
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2026-03-17
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2026-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-24