EUROPEAN ESTATES PLC
Opportunity 72/100 (strong), bankability 57/100. Strong seller-intent signal (68/100, director aged 66). Biggest value-creation lever: Consolidate lender relationships. 19 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
70 live charges · 19 lenders · oldest 78.0y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 78.0 years old — likely at or near maturity.
- · 19 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-29 | 2024-03-31 |
|---|---|---|
| Profit before tax | £-2.48M | £-1.67M |
| Average employees | 4 | 400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 6 mortgage
- • 1 confirmation-statement
Corporate timeline (175 events)Click to expand
- 2026-02-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-09🔒Charge registered #70Lender: Allica Bank Limited
- 2026-02-09🔒Charge registered #69Lender: Allica Bank Limited
- 2026-01-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-15🔒Charge registered #68Lender: Allica Bridging Finance Limited
- 2026-01-15🔒Charge registered #67Lender: Allica Bridging Finance Limited
- 2026-01-15🔒Charge registered #66Lender: Allica Bridging Finance Limited
- 2026-01-15🔒Charge registered #65Lender: Allicia Bridging Finance Limited
- 2025-11-19➖PAMAR, Jatinder Singh resignedsecretary
- 2025-11-19📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-11-05📄accounts-with-accounts-type-fullaccounts · AA
- 2025-06-10📄accounts-with-accounts-type-fullaccounts · AA
- 2025-06-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-30🔒Charge registered #64Lender: Mercury Funding Limited
- 2025-05-30🔒Charge registered #63Lender: Mercury Funding Limited
- 2025-05-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-19📄accounts-with-accounts-type-smallaccounts · AA
- 2023-12-13📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-06-27📄accounts-with-accounts-type-fullaccounts · AA
- 2023-03-28📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-11-09📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-23📄mortgage-create-with-deedmortgage · MR01
- 2021-11-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-18🔓Charge satisfied #54
- 2021-11-18🔓Charge satisfied #55
- 2021-11-18🔓Charge satisfied #53
- 2021-11-18🔓Charge satisfied #52
- 2021-11-18🔓Charge satisfied #51
- 2021-11-18🔓Charge satisfied #50
- 2021-11-18🔓Charge satisfied #49
- 2021-11-18🔓Charge satisfied #48
- 2021-11-18🔓Charge satisfied #47
- 2021-11-18🔓Charge satisfied #46
- 2021-11-18🔓Charge satisfied #45
- 2021-11-18🔓Charge satisfied #44
- 2021-11-12🔒Charge registered #62Lender: Lgt Bank LTD
- 2021-11-12🔒Charge registered #61Lender: Lgt Bank LTD
- 2021-11-12🔒Charge registered #60Lender: Lgt Bank LTD
- 2021-11-12🔒Charge registered #59Lender: Lgt Bank LTD
- 2021-11-12🔒Charge registered #58Lender: Lgt Bank LTD
- 2021-11-12🔒Charge registered #57Lender: Lgt Bank LTD
- 2021-11-12🔒Charge registered #56Lender: Hampshire Trust Bank PLC
- 2021-08-27🔓Charge satisfied #42
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- secondaryStable-but-static management: Company is 78 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-02-09: A registered charge; 2026-02-09: A registered charge; 2026-01-15: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Hamilton Gaul Individual · British · DOB 06/1992 · age 34 | 50–75% | — | 50-75% shares | 20/10/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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| 48 HIGH STREET UPTON LTD→ 15292726 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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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 →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
Registered office
Filing status
Officers (2 active · 13 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Allica Bank Allica Bank Limited | A registered charge | 4 properties | 09/02/2026 | — | |
| outstanding | Allica Bank Allica Bank Limited | A registered charge | 2 properties | 09/02/2026 | — | |
| outstanding | Allica Bank Allica Bridging Finance Limited | A registered charge | 1 property | 15/01/2026 | — | |
| outstanding | Allica Bank Allica Bridging Finance Limited | A registered charge | 1 property | 15/01/2026 | — | |
| outstanding | Allica Bank Allica Bridging Finance Limited | A registered charge | 1 property | 15/01/2026 | — | |
| outstanding | Allicia Bridging Finance Allicia Bridging Finance Limited | A registered charge | 1 property | 15/01/2026 | — | |
| outstanding | Mercury Funding Mercury Funding Limited | A registered charge | 1 property | 30/05/2025 | — | |
| outstanding | Mercury Funding Mercury Funding Limited | A registered charge | 1 property | 30/05/2025 | — | |
| outstanding | Lgt Bank Lgt Bank LTD | A registered charge | 1 property | 12/11/2021 | — | |
| outstanding | Lgt Bank Lgt Bank LTD | A registered charge | 1 property | 12/11/2021 | — | |
| outstanding | Lgt Bank Lgt Bank LTD | A registered charge | 1 property | 12/11/2021 | — | |
| outstanding | Lgt Bank Lgt Bank LTD | A registered charge | 1 property | 12/11/2021 | — | |
| outstanding | Lgt Bank Lgt Bank LTD | A registered charge | 1 property | 12/11/2021 | — | |
| outstanding | Lgt Bank Lgt Bank LTD | A registered charge | 1 property | 12/11/2021 | — | |
| outstanding | Hampshire Trust Bank Hampshire Trust Bank PLC | A registered charge | 8 properties | 12/11/2021 | — | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 3 properties | 19/07/2017 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 1 property | 18/07/2017 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 1 property | 17/07/2017 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 1 property | 27/09/2016 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 1 property | 27/09/2016 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 1 property | 27/09/2016 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 3 properties | 27/09/2016 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 3 properties | 27/09/2016 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 1 property | 27/09/2016 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 1 property | 27/09/2016 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 3 properties | 27/09/2016 | 18/11/2021 | |
| satisfied | NatWest Group Coutts & Company | A registered charge | 1 property | 27/09/2016 | 18/11/2021 | |
| satisfied | C. Hoare & Co | Standard security | 1 property | 06/12/2011 | 12/06/2018 | |
| satisfied | C. Hoare & Co | Legal charge | 1 property | 03/11/2011 | 27/08/2021 | |
| satisfied | C. Hoare & Co | Legal charge | 1 property | 03/11/2011 | 27/08/2021 | |
| satisfied | Music Marketing Services Music Marketing Services Limited | Rent deposit deed | 1 property | 12/10/2007 | 27/08/2021 | |
| satisfied | C.Hoare & Co | Legal charge | 1 property | 21/02/2006 | 27/08/2021 | |
| satisfied | European Estates European Estates PLC | Rent deposit deed | 1 property | 15/02/2005 | 27/08/2021 | |
| satisfied | HSBC Hsbc Investment Bank PLC | Legal mortgage | 1 property | 07/06/2000 | 13/04/2006 | |
| satisfied | HSBC Hsbc Investment Bank PLC | Deed of substitution (supplemental to a legal mortgage dated 6TH march 1998) | 1 property | 15/03/1999 | 10/11/2011 | |
| satisfied | HSBC Hsbc Investment Bank PLC | Deed of substitution (supplemental to a legal mortgage dated 6TH march 1998) | 1 property | 15/03/1999 | 10/11/2011 | |
| satisfied | HSBC Hsbc Investment Bank PLC | Deed of substitution (supplemental to a legal mortgage dated 6TH march 1998) | 1 property | 15/03/1999 | 10/11/2011 | |
| satisfied | HSBC Hsbc Investment Bank PLC | Deed of substitution (supplemental to a legal mortgage dated 6TH march 1998) | 1 property | 15/03/1999 | 10/11/2011 | |
| satisfied | HSBC Hsbc Investment Bank PLC | Deed of substitution (supplemental to a legal mortgage dated 6TH march 1998) | 1 property | 15/03/1999 | 10/11/2011 | |
| satisfied | HSBC Hsbc Investment Bank PLC | Deed of substitution (supplemental to a legal mortgage dated 6TH march 1998) | 1 property | 15/03/1999 | 10/11/2011 | |
| satisfied | HSBC Hsbc Investment Bank PLC | Deed of substitution (supplemental to a legal mortgage dated 11TH march 1998) | 2 properties | 15/03/1999 | 10/11/2011 | |
| satisfied | HSBC Hsbc Investment Bank PLC | Deed of substitution (supplemental to a legal mortgage dated 11TH march 1998) | 1 property | 15/03/1999 | 10/11/2011 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 2 properties | 11/03/1998 | 13/04/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 2 properties | 11/03/1998 | 13/04/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 2 properties | 11/03/1998 | 13/04/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 2 properties | 11/03/1998 | 13/04/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 2 properties | 11/03/1998 | 13/04/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 3 properties | 11/03/1998 | 13/04/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 2 properties | 11/03/1998 | 10/11/2011 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 2 properties | 11/03/1998 | 13/04/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 2 properties | 11/03/1998 | 10/11/2011 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 1 property | 11/03/1998 | 13/04/2006 | |
| satisfied | Credit Lyonnais | Legal charge | 1 property | 10/06/1996 | 10/11/2011 | |
| satisfied | Credit Lyonnais | Legal charge | 1 property | 10/06/1996 | 10/11/2011 | |
| satisfied | European Enterprises European Enterprises Limited | Debenture | 1 property | 17/11/1995 | 10/11/2011 | |
| satisfied | Credit Lyonnais | Legal charge | 1 property | 07/12/1990 | 10/11/2011 | |
| satisfied | Credit Lyonnais | Legal charge | 1 property | 07/12/1990 | 10/11/2011 | |
| satisfied | Riggs Ap Bank Riggs Ap Bank Limited | Legal charge | 1 property | 12/03/1990 | 10/11/2011 | |
| satisfied | Riggs Ap Bank Riggs Ap Bank Limited | Charge of monies | 1 property | 12/03/1990 | 10/11/2011 | |
| satisfied | Credit Lyonnais | Legal charge | 1 property | 17/02/1989 | 10/11/2011 | |
| satisfied | Credit Lyonnais | Legal charge | 1 property | 15/02/1989 | 10/11/2011 | |
| satisfied | Credit Lyonnais | Debenture | 1 property | 23/01/1989 | 10/11/2011 | |
| satisfied | Credit Lyonnais | Legal charge | 1 property | 03/01/1989 | 10/11/2011 | |
| satisfied | Credit Lyonnais | Legal charge | 1 property | 01/03/1988 | 10/11/2011 | |
| satisfied | Inworth Finance & Mortgage Co. . Inworth Finance & Mortgage Co. LTD. | Legal charge | 1 property | 01/11/1963 | 10/11/2011 | |
| satisfied | Inworth Finance & Mortgage Co. . Inworth Finance & Mortgage Co. LTD. | Legal charge | 1 property | 30/10/1963 | 10/11/2011 | |
| satisfied | Alliance Building Society | Further charge | 1 property | 06/08/1959 | 10/11/2011 | |
| satisfied | United Friendly Insurance Company . United Friendly Insurance Company LTD. | Legal charge | 1 property | 14/02/1955 | 10/11/2011 | |
| satisfied | Alliance Building Society | 2ND mortgage by way of collateral security for securing £32,900 due from edlington estates LTD secured by a legal charge dated 25/5/ 48. | 1 property | 25/05/1948 | 10/11/2011 | |
| satisfied | Alliance Building Society | Legal charge | 1 property | 25/05/1948 | 10/11/2011 |