A. & B. HOMES LIMITED

🌳Matureactive
01680522 · ltd · incorporated 1982-11-23
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
£3.43M
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
Pursue
Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (68/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 42 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

76 live charges · 26 lenders · oldest 43.3y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 43.3 years old — likely at or near maturity.
  • · 26 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
76 charges (76/76 with lender, 76/76 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
230 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
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 £3,428,641
Net assets shrinking
Down £100,649 YoY
Cash YoY
-5%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£4.2m
↓ 4.7% YoY
Net Worth
£3.4m
↓ 2.9% YoY
Current Assets
£7.2m
↑ 6.9% YoY
Current Liabilities
—
£0£1.4m£2.9m£4.3m£5.8m£7.2mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£3.43M£3.53M
Current assets£7.20M£6.74M
Cash£4.20M£4.41M
Debtors£28.0k£53.0k
Net assets£3.43M£3.53M

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
1
filing
  • • 1 address
Last 180 days
1
filing
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (158 events)Click to expand
  1. 2026-04-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-11-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-11-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-11-12
    📄
    capital-name-of-class-of-shares
    capital · SH08
  8. 2021-11-01
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2021-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-09-23
    📄
    memorandum-articles
    incorporation · MA
  11. 2020-09-23
    📄
    resolution
    resolution · RESOLUTIONS
  12. 2020-09-23
    📄
    capital-name-of-class-of-shares
    capital · SH08
  13. 2019-10-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-12-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2018-12-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2018-12-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2018-12-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2018-12-11
    🔓
    Charge satisfied #76
  19. 2018-12-11
    🔓
    Charge satisfied #75
  20. 2018-12-11
    🔓
    Charge satisfied #74
  21. 2018-12-11
    🔓
    Charge satisfied #73
  22. 2008-09-15
    🔒
    Charge registered #76
    Lender: Barclays Bank PLC
  23. 2006-05-04
    🔒
    Charge registered #75
    Lender: Barclays Bank PLC
  24. 2005-08-05
    🔒
    Charge registered #74
    Lender: Barclays Bank PLC
  25. 2005-01-14
    🔓
    Charge satisfied #70
  26. 2005-01-14
    🔓
    Charge satisfied #69
  27. 2005-01-14
    🔓
    Charge satisfied #67
  28. 2005-01-14
    🔓
    Charge satisfied #66
  29. 2005-01-14
    🔓
    Charge satisfied #65
  30. 2005-01-14
    🔓
    Charge satisfied #64
  31. 2005-01-14
    🔓
    Charge satisfied #63
  32. 2005-01-14
    🔓
    Charge satisfied #62
  33. 2005-01-14
    🔓
    Charge satisfied #61
  34. 2005-01-14
    🔓
    Charge satisfied #60
  35. 2005-01-14
    🔓
    Charge satisfied #59
  36. 2005-01-14
    🔓
    Charge satisfied #58
  37. 2005-01-14
    🔓
    Charge satisfied #56
  38. 2005-01-14
    🔓
    Charge satisfied #57
  39. 2005-01-14
    🔓
    Charge satisfied #55
  40. 2005-01-14
    🔓
    Charge satisfied #53
  41. 2005-01-14
    🔓
    Charge satisfied #52
  42. 2005-01-14
    🔓
    Charge satisfied #51
  43. 2005-01-14
    🔓
    Charge satisfied #50
  44. 2005-01-14
    🔓
    Charge satisfied #49
  45. 2005-01-14
    🔓
    Charge satisfied #48
  46. 2005-01-14
    🔓
    Charge satisfied #47
  47. 2005-01-14
    🔓
    Charge satisfied #45
  48. 2005-01-14
    🔓
    Charge satisfied #43
  49. 2005-01-14
    🔓
    Charge satisfied #42
  50. 2005-01-14
    🔓
    Charge satisfied #41
Showing most recent 50 of 158 events

Owner dependency

81/100
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.
  • +Founder age: Director aged approximately 76 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
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 76 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 44 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 med · 1 low
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.

12 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Jose Bernardez
Individual · Spanish · DOB 02/1950 · age 76
50–75%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016

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

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 →
🔒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
Incorporated1982-11-23
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects

Registered office

Eagle Nest Park Lane
Ropley
Alresford
Hampshire
SO24 0EH
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-21
Last: 2025-10-07

Officers (3 active · 0 resigned)

BERNARDEZ, Dolores→
secretary
View their other companies + combined net worth →
Active
BERNARDEZ, Dolores→
director · ~75y
View their other companies + combined net worth →
Active
BERNARDEZ, Jose→
director · ~76y
View their other companies + combined net worth →
Active

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

Mortgages & charges

76
Total charges
12
Outstanding
9
Active lenders
Status:Lender:76 of 76 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property15/09/200811/12/2018
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property04/05/200611/12/2018
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property05/08/200511/12/2018
satisfied
Derek Jesse Edwards
Rent deposit deed1 property01/12/200411/12/2018
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property27/10/2004—
outstanding
Barclays
Barclays Bank PLC
Debenture1 property20/10/2004—
satisfied
Royal Trust Bank
Legal charge1 property17/06/199314/01/2005
satisfied
Royal Trust Bank
Legal charge1 property05/03/199214/01/2005
satisfied
Royal Trust Bank
Debenture1 property12/12/199127/05/2004
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal charge1 property13/06/199014/01/2005
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property12/02/199014/01/2005
satisfied
Hfc Bank
Hfc Bank PLC
Legal charge1 property07/04/198914/01/2005
satisfied
Alliance & Leicester Building Society
Guarantee to mortgage1 property07/04/198914/01/2005
satisfied
Hfc Bank
Hfc Bank PLC
First legal charge2 properties28/03/198914/01/2005
satisfied
Hfc Bank
Hfc Bank PLC
First legal charge1 property13/02/198914/01/2005
satisfied
Royal Trust Bank
Legal charge1 property10/01/198914/01/2005
satisfied
Hfc Bank
Hfc Bank PLC
First legal charge1 property09/12/198814/01/2005
satisfied
Hfc Bank
Hfc Bank PLC
Legal mortgage1 property25/11/198814/01/2005
satisfied
Hfc Bank
Hfc Bank PLC
First legal mortgage1 property21/10/198814/01/2005
satisfied
J.M.K. Goodacre / D.S. Baker And / P. J. Yetman
Legal charge1 property06/10/198814/01/2005
satisfied
Hfc Bank
Hfc Bank PLC
First legal mortgage1 property30/09/198814/01/2005
satisfied
P.J. Yetman / D.S. Baker / J.M.K. Goodacre
Legal charge1 property21/09/198819/12/1991
satisfied
Hfc Bank
Hfc Bank PLC
First legal charge1 property19/09/198814/01/2005
satisfied
Mercantile Credit Company
Mercantile Credit Company Limited
Mortgage1 property19/08/198814/01/2005
satisfied
P.J. Yetman / D.S. Baker And / J.M.K. Goodacre
Legal charge1 property12/08/198814/01/2005
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property25/07/198814/01/2005
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Equitable charge1 property12/06/198814/01/2005
satisfied
Hfc Bank
Hfc Bank PLC
Legal mortgage1 property06/06/198814/01/2005
satisfied
Ucb Bank
Ucb Bank PLC
Legal charge1 property06/04/198814/01/2005
satisfied
Hfc Trust & Savings
Hfc Trust & Savings Limited
First legal mortgage1 property08/03/198814/01/2005
satisfied
J.M.K. Goodacre / D.S Baker And / P. J. Yetman
Legal charge1 property07/03/198819/12/1991
satisfied
Hfc Trust & Savings
Hfc Trust & Savings Limited
First legal mortgage1 property04/03/198814/01/2005
outstanding
P. J. Yetman. / D. S. Baker / J. M. Kendall Goodacre,
Legal charge1 property26/02/1988—
satisfied
Hfc Turst & Savings .
Hfc Turst & Savings Limited.
Mortgage1 property27/01/198814/01/2005
satisfied
Hfc Trust & Savings .
Hfc Trust & Savings Limited.
Mortgage1 property22/12/198714/01/2005
satisfied
Hfc Trust & Savings
Hfc Trust & Savings Limited
First legal mortgage1 property09/12/198714/01/2005
satisfied
Hfc Trust & Savings
Hfc Trust & Savings Limited
Legal mortgage1 property27/11/198714/01/2005
satisfied
D.S. Baker / P.J. Yetman / J.M.K. Goodacre
Legal charge1 property27/11/198714/01/2005
satisfied
D.S. Baker / J.M.K. Goodacre / P.J. Yetman
Legal charge1 property27/11/198722/06/1989
satisfied
D.S. Baker / J.M.K. Goodacre / P.J. Yetman
Legal charge1 property27/11/198722/06/1989
satisfied
Hfc Trust & Savings
Hfc Trust & Savings Limited
Legal mortgage1 property07/10/198714/01/2005
outstanding
Philip John Yetman. / David Stanley Banker. / John Michael Kendall Goodacre
Legal charge1 property31/07/1987—
satisfied
Philip John Yetman. / David Stanley Baker. / John Michale Kendall Goodacre.
Legal charge1 property01/07/198718/05/1993
outstanding
D. S. Baker / P. J. Yetman / John M.K. Goodacre
Legal charge1 property02/06/1987—
outstanding
Philip John Yetman. / John Michael Kendall Goodacre, / David Stanley Baker,
Legal charge1 property28/04/1987—
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property27/04/198718/05/1993
outstanding
Royal Code
Royal Code Limited
Legal charge1 property21/04/1987—
satisfied
Commercial Financial Services
Commercial Financial Services Limited
Legal charge2 properties06/03/198714/01/2005
satisfied
Hfc Trust & Savings .
Hfc Trust & Savings Limited.
Legal mortgage2 properties05/03/198714/01/2005
satisfied
J.M.K. Goodacre / A. H. Taylor / D.S. Baker.
Legal charge1 property05/03/198722/06/1989
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property04/03/198718/05/1993
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property04/03/198718/05/1993
outstanding
J. M. Kendall Goodacre / A. H. Taylor. / D. S. Baker.
Legal charge1 property23/02/1987—
satisfied
A. H. Taylor / D. S. Baker / J. M. K. Goodacre
Legal charge1 property31/12/198614/01/2005
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property18/12/198618/05/1993
outstanding
Commercial Financial Services .
Commercial Financial Services Limited.
Legal charge1 property12/12/1986—
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property31/10/198618/05/1993
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property19/09/198619/12/1991
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property01/09/198614/01/2005
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property09/05/198622/06/1989
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage2 properties15/04/198614/01/2005
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property14/03/198614/01/2005
satisfied
A. H. Taylor / J. M. K. Goodacre / D. Stanley, Baker
Legal charge1 property12/02/198614/01/2005
satisfied
J. M. K. Goodacre / A. H. Taylor / D. S. Baker
Legal charge1 property31/01/198614/01/2005
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property07/11/198522/06/1989
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage2 properties20/09/198522/06/1989
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property08/02/198514/01/2005
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property08/02/198514/01/2005
satisfied
A. H. Taylor. / D. S. Baker. / J M K. Goodacre
Legal charge1 property17/12/198414/01/2005
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property06/06/198414/01/2005
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property12/03/1984—
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property12/03/1984—
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property12/03/198414/01/2005
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property12/03/1984—
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage2 properties12/03/198414/01/2005
satisfied
J. Bernardez / D. Bernardez
Legal charge1 property28/02/198314/01/2005
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (230 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-21
capital-name-of-class-of-shares
capital · SH08
2021-11-12
resolution
resolution · RESOLUTIONS
2021-11-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-22