SJMC PROPERTY LTD

🌿Early-stageactive
SC767624 · ltd · incorporated 2023-04-28
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

1 live charge · oldest 2.9y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 2.9 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
10 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£3k£5k£8k£11k£14kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Total assets—£157.8k
Current assets—£1.9k
Net assets—£13.6k

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
1
filing
  • • 1 confirmation-statement
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 (11 events)Click to expand
  1. 2026-01-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-08-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2023-07-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2023-07-12
    🔒
    Charge registered #1
    Lender: Charter Court Financial Services Limited
  6. 2023-06-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2023-06-30
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  8. 2023-04-28
    🏢
    Company incorporated
    As SJMC PROPERTY LTD
  9. 2023-04-28
    ➕
    MCLEAN, Julie appointed
    director
  10. 2023-04-28
    ➕
    MCLEAN, Steven appointed
    director
  11. 2023-04-28
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

66/100
High — earn-out structure required

Material 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 signal

Limited 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mrs Julie Mclean
Individual · British · DOB 06/1975 · age 51
25–50%
25–50%25-50% shares · 25-50% voting24/08/2023
Mr Steven Mclean
Individual · British · DOB 11/1975 · age 51
25–50%
25–50%25-50% shares · 25-50% voting28/06/2023

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

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
Incorporated2023-04-28
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

15 Davidson Crescent
Alford
AB33 8TP
Scotland

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-05-11
Last: 2026-04-27

Officers (2 active · 0 resigned)

MCLEAN, Julie→
director · ~51y · appointed 2023-04-28
View their other companies + combined net worth →
Active
MCLEAN, Steven→
director · ~51y · appointed 2023-04-28
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
Precise Mortgages
Charter Court Financial Services Limited
A registered charge2 properties12/07/2023—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (10 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-08-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-06-30
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2023-06-30
incorporation-company
incorporation · NEWINC
2023-04-28