BARLEY CHALU LIMITED
Opportunity 75/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 12 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: family or management succession (50/100).
Refinance opportunity
12 live charges · 7 lenders · oldest 48.8y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 48.8 years old — likely at or near maturity.
- · 7 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: medium (59/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (61 events)Click to expand
- 2025-09-23📄accounts-with-accounts-type-fullaccounts · AA
- 2025-01-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-27🔒Charge registered #12Lender: Hsbc UK Bank PLC
- 2024-11-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-01🔓Charge satisfied #6
- 2024-11-01🔓Charge satisfied #4
- 2024-10-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-30🔒Charge registered #10Lender: Hsbc Invoice Finance (UK) LTD
- 2024-10-29🔒Charge registered #11Lender: Hsbc UK Bank PLC
- 2024-10-29🔒Charge registered #9Lender: Hsbc UK Bank PLC
- 2024-10-24➕CHESHEM-PANAM, Yasmin appointeddirector
- 2024-07-18📄accounts-with-accounts-type-fullaccounts · AA
- 2024-07-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-10🔓Charge satisfied #7
- 2023-10-06📄accounts-with-accounts-type-fullaccounts · AA
- 2022-08-04📄accounts-with-accounts-type-fullaccounts · AA
- 2021-09-28📄accounts-with-accounts-type-fullaccounts · AA
- 2021-09-08📄memorandum-articlesincorporation · MA
- 2021-09-08📄resolutionresolution · RESOLUTIONS
- 2021-09-08📄statement-of-companys-objectschange-of-constitution · CC04
- 2021-01-10📄accounts-with-accounts-type-fullaccounts · AA
- 2020-07-01📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-07-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-06-30➕CHESHEM-PANAM, Susan appointeddirector
- 2020-06-30➖CHALU, Richard Terence resignedsecretary
- 2020-06-30➖CHALU, Richard Terence resigneddirector
- 2020-03-10➖CARMAN, Douglas John resigneddirector
- 2020-03-10➖CHALU, Elizabeth Helen resigneddirector
- 2017-03-31🔓Charge satisfied #8
- 2017-03-09🔒Charge registered #8Lender: Helen Jayne Chalu
- 2015-10-02🔒Charge registered #7Lender: Helen Jayne Chalu
- 2014-12-03🔒Charge registered #6Lender: Bank of Scotland PLC
- 2014-03-20➖CHALU, Elizabeth Helen resignedsecretary
- 2014-03-20➕CHALU, Richard Terence appointedsecretary
- 2010-02-01🔒Charge registered #5Lender: Lloyds Tsb Commercial Finance Limited
- 2007-05-25🔓Charge satisfied #2
- 2007-05-25🔓Charge satisfied #1
- 2007-05-08➕CHALU, John Leslie Robert appointeddirector
- 2007-05-08➕CHESHEM-PANAM, Mohammed appointeddirector
- 2007-05-08➕CHALU, Elizabeth Helen appointeddirector
- 2007-05-08➕CHALU, Richard Terence appointeddirector
- 2007-05-08➖CHALU, Richard Terence resigneddirector
- 2007-05-08🔒Charge registered #4Lender: The Governor and Company of the Bank of Scotland
- 2007-05-08🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland
- 2007-05-04➕CHALU, Richard Terence appointeddirector
- 2007-05-04➖CHALU, Terence resigneddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "CHALU" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
1 med · 1 lowMultiple 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.
Group structure
Future Metal Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Future Metal Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
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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8 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 (4 active · 12 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 27/01/2025 | — | |
| outstanding | HSBC Hsbc Invoice Finance (UK) LTD | A registered charge | — | 30/10/2024 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 29/10/2024 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 29/10/2024 | — | |
| satisfied | Helen Jayne Chalu / Elizabeth Helen Chalu / Douglas John Carmen / D. A. Phillips & Co Helen Jayne Chalu / Elizabeth Helen Chalu / Douglas John Carmen / D. A. Phillips & Co LTD | A registered charge | 1 property | 09/03/2017 | 31/03/2017 | |
| satisfied | Helen Jayne Chalu / Elizabeth Helen Chalu / Douglas John Carman / D. A. Phillips & Co. Helen Jayne Chalu / Elizabeth Helen Chalu / Douglas John Carman / D. A. Phillips & Co. Limited | A registered charge | — | 02/10/2015 | 10/07/2024 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/12/2014 | 01/11/2024 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Commercial Finance Limited | All assets debenture | 1 property | 01/02/2010 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 08/05/2007 | 01/11/2024 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 08/05/2007 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 24/11/1977 | 25/05/2007 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 30/09/1977 | 25/05/2007 |