AME CONCEPTS LIMITED
🌱Startupactive
SC827273 · ltd · incorporated 2024-10-29
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
72/100
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 acceptable with review structure.
Opportunity 72/100 (strong), bankability 55/100. 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
4 live charges · 2 lenders · oldest 1.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.3 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (56/100)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
4 charges (4/4 with lender, 4/4 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.
Recent activity
Last 30 days
0
filings
Last 90 days
7
filings
- • 2 mortgage
- • 2 gazette
- • 1 confirmation-statement
Last 180 days
7
filings
- • 2 mortgage
- • 2 gazette
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
- 2026-02-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-19🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2026-02-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-13🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2026-02-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-02-07📄gazette-filings-brought-up-to-dategazette · DISS40
- 2026-01-28📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2026-01-27📄gazette-notice-compulsorygazette · GAZ1
- 2025-01-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-09🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2025-01-06🔒Charge registered #2Lender: Together Commercial Financial Limited
- 2024-10-29🏢Company incorporatedAs AME CONCEPTS LIMITED
- 2024-10-29➕EDWARDS, Andrew Colin appointeddirector
- 2024-10-29➕MCPHERSON, Melissa appointeddirector
- 2024-10-29📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
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.
- +Young company: Only 1.5 years old — management layer unlikely to be developed.
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 |
|---|---|---|---|---|
Melissa Mcpherson Individual · Scottish · DOB 11/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 29/10/2024 |
Mr Andrew Colin Edwards Individual · Scottish · DOB 12/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 29/10/2024 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| ASHNOR PROPERTIES LTD→ SC571771 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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.
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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
Incorporated2024-10-29
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
17 17 Tolbooth Street
Kirkcaldy
KY1 1RW
United Kingdom
Filing status
Accounts
Next due: 2026-07-29
Last made up to: —
Confirmation statement
Next due: 2026-11-11
Last: 2025-10-28
Officers (2 active · 0 resigned)
EDWARDS, Andrew Colin→
Activedirector · ~51y · appointed 2024-10-29
View their other companies + combined net worth →
MCPHERSON, Melissa→
Activedirector · ~41y · appointed 2024-10-29
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 19/02/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 13/02/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 09/01/2025 | — | |
| outstanding | Together Money Together Commercial Financial Limited | A registered charge | — | 06/01/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (10 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-10
gazette-filings-brought-up-to-date
gazette · DISS40
2026-02-07
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2026-01-28
gazette-notice-compulsory
gazette · GAZ1
2026-01-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-15
incorporation-company
incorporation · NEWINC
2024-10-29