EDGECUMBE SECURITIES LIMITED

🌳Matureactive
00564677 · ltd · incorporated 1956-04-13
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
—
year to Mar 2025
Net worth
£3.96M
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 68320Management of real estate on a fee or contract basis
Investor take
Pursue
Asset-holding vehicle with a 85-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (93/100, director aged 85). 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: strategic trade sale (73/100).

🏦

Refinance opportunity

7 live charges · 3 lenders · oldest 67.1y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 67.1 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
130 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £3,963,716
Cash YoY
+11%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£2.0m
↑ 11% YoY
Net Worth
£4.0m
↑ 4.4% YoY
Current Assets
£4.0m
↑ 4.7% YoY
Current Liabilities
—
£0£809k£1.6m£2.4m£3.2m£4.0mApr 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-04-05
Total assets£3.96M£3.80M
Current assets£4.04M£3.86M
Cash£1.97M£1.78M
Debtors£2.07M£2.08M
Net assets£3.96M£3.80M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2025-11-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2023-09-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-02-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2022-02-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2022-02-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2022-02-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2022-02-21
    🔓
    Charge satisfied #5
  11. 2022-02-21
    🔓
    Charge satisfied #4
  12. 2022-02-21
    🔓
    Charge satisfied #3
  13. 2022-02-21
    🔓
    Charge satisfied #2
  14. 2021-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-10-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2020-11-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-01-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-01-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2018-11-29
    📄
    capital-allotment-shares
    capital · SH01
  20. 2018-10-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2018-10-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  22. 2006-08-23
    🔓
    Charge satisfied #6
  23. 2006-08-23
    🔓
    Charge satisfied #1
  24. 2003-04-15
    ➕
    MUGGRIDGE, Emma Katherine appointed
    secretary
  25. 2003-04-15
    ➖
    WEINBREN, Shaun Maurice resigned
    secretary
  26. 2000-09-21
    🔓
    Charge satisfied #7
  27. 2000-02-25
    ➖
    CARTER, Howard Francis resigned
    director
  28. 1998-07-01
    ➕
    MUGGRIDGE, Emma Katherine appointed
    director
  29. 1994-03-08
    ➕
    WEINBREN, Shaun Maurice appointed
    secretary
  30. 1994-02-28
    ➖
    PRICE, Dennis Ronald resigned
    secretary
  31. 1991-09-19
    🔒
    Charge registered #6
    Lender: Barclays Bank PLC
  32. 1991-04-14
    🔒
    Charge registered #7
    Lender: Barclays Bank PLC
  33. 1984-09-06
    🔒
    Charge registered #5
    Lender: Barclays Bank PLC
  34. 1984-09-06
    🔒
    Charge registered #4
    Lender: Barclays Bank PLC
  35. 1964-04-17
    🔒
    Charge registered #3
    Lender: Midland Bank PLC
  36. 1963-05-20
    🔒
    Charge registered #2
    Lender: Midland Bank PLC
  37. 1959-05-29
    🔒
    Charge registered #1
    Lender: Martins Bank LTD
  38. 1956-04-13
    🏢
    Company incorporated
    As EDGECUMBE SECURITIES LIMITED

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 85 — succession pressure is live.

Succession & seller-readiness

96/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 85 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 70 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr John Kenneth Lewis
Individual · British · DOB 08/1941 · age 85
75–100%
—75-100% shares06/04/2016

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 →

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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
Incorporated1956-04-13
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.

Registered office

First Floor Southfield House Southfield Road
Westbury On Trym
Bristol
BS9 3BH
United Kingdom

Filing status

Accounts
Next due: 2027-01-05
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-29
Last: 2025-10-15

Officers (3 active · 3 resigned)

MUGGRIDGE, Emma Katherine→
secretary · appointed 2003-04-15
View their other companies + combined net worth →
Active
LEWIS, John Kenneth→
director · ~85y
View their other companies + combined net worth →
Active
MUGGRIDGE, Emma Katherine→
director · ~56y · appointed 1998-07-01
View their other companies + combined net worth →
Active
PRICE, Dennis Ronald→
secretary · resigned 1994-02-28
Resigned
WEINBREN, Shaun Maurice→
secretary · appointed 1994-03-08 · resigned 2003-04-15
Resigned
CARTER, Howard Francis→
director · ~115y · resigned 2000-02-25
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

7
Total charges
0
Outstanding
0
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
Debenture1 property19/09/199123/08/2006
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property14/04/199121/09/2000
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property06/09/198421/02/2022
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property06/09/198421/02/2022
satisfied
Midland Bank
Midland Bank PLC
Sub/mortgage1 property17/04/196421/02/2022
satisfied
Midland Bank
Midland Bank PLC
Equitable sub charge without written instrument.1 property20/05/196321/02/2022
satisfied
Martins Bank
Martins Bank LTD
Debenture1 property29/05/195923/08/2006

Recent filings (130 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-01
mortgage-satisfy-charge-full
mortgage · MR04
2022-02-21
mortgage-satisfy-charge-full
mortgage · MR04
2022-02-21
mortgage-satisfy-charge-full
mortgage · MR04
2022-02-21
mortgage-satisfy-charge-full
mortgage · MR04
2022-02-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-16
change-person-director-company-with-change-date
officers · CH01
2021-10-28