A&J PROPERTY SERVE LTD
🌱Startupactive
SC853753 · ltd · incorporated 2025-06-27
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
71/100
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 71/100 (strong), bankability 60/100. 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 (73/100).
🏦
Refinance opportunity
6 live charges · oldest 0.3y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.3 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (57/100)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
6 charges (6/6 with lender, 6/6 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
4 connected companies via shared directors
57
Filing history
7 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 2 mortgage
Last 180 days
6
filings
- • 6 mortgage
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
- 2026-03-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-23🔒Charge registered #6Lender: Together Commercial Finance Limited
- 2026-02-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-12🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2026-01-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-21🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2026-01-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-24🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2025-12-24🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2025-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-22🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2025-06-27🏢Company incorporatedAs A&J PROPERTY SERVE LTD
- 2025-06-27➕LAWRIE, Anthony Mccallum appointeddirector
- 2025-06-27➕MURRAY, John Stephen appointeddirector
- 2025-06-27📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Young company: Only 0.8 years old — management layer unlikely to be developed.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 low6 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-02-23: A registered charge; 2026-02-12: A registered charge; 2026-01-21: A registered charge
6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Stephen Murray Individual · British · DOB 11/1971 · age 55 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 27/06/2025 |
Mr Anthony Mccallum Lawrie Individual · British · DOB 01/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 27/06/2025 |
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.
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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.
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
Incorporated2025-06-27
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
40 New Calder Mill Road
Livingston
EH54 6FT
Scotland
Filing status
Accounts
Next due: 2027-03-27
Last made up to: —
Confirmation statement
Next due: 2026-07-10
Last: —
Officers (2 active · 0 resigned)
LAWRIE, Anthony Mccallum→
Activedirector · ~58y · appointed 2025-06-27
View their other companies + combined net worth →
MURRAY, John Stephen→
Activedirector · ~55y · appointed 2025-06-27
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
6
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 23/02/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 12/02/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 21/01/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 24/12/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 24/12/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 22/12/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (7 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-22
incorporation-company
incorporation · NEWINC
2025-06-27