FAIRCLOUGH HOMES LIMITED
🌳Matureactive
01987689 · ltd · incorporated 1986-02-10
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Construction of commercial buildings
Sector: Construction
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 67/100. Biggest value-creation lever: Consolidate lender relationships. 43 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (38/100).
🏦
Refinance opportunity
66 live charges · 42 lenders · oldest 40.0y
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 40.0 years old — likely at or near maturity.
- · 42 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: medium (61/100)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
66 charges (66/66 with lender, 66/66 with type)
90
Directors & officers
35 officers (2 active, 35 linked, 28 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
373 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
8
filings
- • 4 officers
- • 2 gazette
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (209 events)Click to expand
- 2026-04-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-01➕GIBSON, Graeme Kenneth appointeddirector
- 2026-04-01➖MURDOCH, Ian resigneddirector
- 2026-03-11📄gazette-filings-brought-up-to-dategazette · DISS40
- 2026-03-10📄accounts-with-accounts-type-dormantaccounts · AA
- 2026-03-03📄gazette-notice-compulsorygazette · GAZ1
- 2026-02-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-31➕KINNIBURGH, Moira Jane appointeddirector
- 2026-01-31➖JACKSON, Julie Mansfield resigneddirector
- 2024-10-08📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-06-26📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-02-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-25➖ENDSOR, Christopher John resigneddirector
- 2022-10-01📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-06-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-09-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-09-06📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-09-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-03-31➖BORLAND, Donald William resigneddirector
- 2016-02-10🔓Charge satisfied #57
- 2015-07-06🔓Charge satisfied #66
- 2015-07-06🔓Charge satisfied #65
- 2015-07-06🔓Charge satisfied #64
- 2015-07-06🔓Charge satisfied #63
- 2015-07-06🔓Charge satisfied #62
- 2015-06-16🔓Charge satisfied #52
- 2015-03-31➖MILLER, Keith Manson resigneddirector
- 2014-12-04➖HODSDEN, Richard David resigneddirector
- 2014-11-24➕BORLAND, Donald William appointeddirector
- 2013-11-21➕HODSDEN, Richard David appointeddirector
- 2013-11-18➖RICHARDS, John Steel resigneddirector
- 2012-09-14🔒Charge registered #66Lender: The Royal Bank of Scotland PLC ("the Security Agent")
- 2012-05-16➖SMYTH, Pamela June resignedsecretary
- 2012-02-29🔒Charge registered #65Lender: The Royal Bank of Scotland PLC as Trustee, Agent and Security Agent for Each of the Senior Secured Parties (The Security Agent)
- 2012-02-29🔒Charge registered #64Lender: The Royal Bank of Scotland PLC as Trustee, Agent and Security Agent for Each of the Secured Parties (The Security Agent)
- 2012-02-29🔒Charge registered #63Lender: The Royal Bank of Scotland PLC as Trustee, Agent and Security Agent for Each of the Senior Secured Parties (The Security Agent)
- 2012-02-29🔒Charge registered #62Lender: The Royal Bank of Scotland PLC as Trustee, Agent and Security Agent for Each of the Senior Secured Parties (The Security Agent)
- 2012-02-04🔓Charge satisfied #54
- 2011-05-21🔓Charge satisfied #61
- 2011-05-21🔓Charge satisfied #60
- 2011-05-21🔓Charge satisfied #59
- 2011-05-21🔓Charge satisfied #58
- 2011-05-21🔓Charge satisfied #56
- 2011-05-21🔓Charge satisfied #55
- 2011-05-21🔓Charge satisfied #51
- 2011-03-29➖ANDERSON, Ewan Thomas resigneddirector
- 2011-03-29➖HOUGH, Timothy resigneddirector
Showing most recent 50 of 209 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: JACKSON, Julie Mansfield resigned 2026-01-31; MURDOCH, Ian resigned 2026-04-01
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Miller Homes Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Miller Homes Holdings Limited
Corporate parent · holds 75-100% shares
⬇
FAIRCLOUGH HOMES LIMITED
This company · 01987689
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 |
|---|---|---|---|---|
Miller Homes Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 20/06/2017 |
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 →Similar companies
Active · Construction · DE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & E PROPERTY & INVESTMENT LTD→ 12417332 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| A & H PROPERTIES FAULD LTD→ 15119551 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A F SURFACING & GROUNDWORKS LTD→ 13548934 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A H PEABODY CONSULTING LIMITED→ 14003933 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| A H&F POWER SERVICES LTD→ 16503464 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A. H. ELECTRICAL SYSTEMS LIMITED→ 06117110 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| ACB HOME IMPROVEMENTS LTD→ 06276620 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ACE & TOPLIS RAIL LTD→ 16495222 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADKIN MECHANICAL SERVICES LTD→ 08330799 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ADVANCED DESIGN ELECTRICAL LIMITED→ 14528611 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ADVANCED PROPERTIES (MIDLANDS) LTD→ 16724765 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AEG CONSTRUCTION LTD→ 13153011 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1986-02-10
Jurisdictionengland-wales
Primary SIC41201 — Construction of commercial buildings
Registered office
2 Centro Place
Pride Park
Derby
Derbyshire
DE24 8RF
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-07-04
Last: 2026-06-20
Officers (2 active · 33 resigned)
GIBSON, Graeme Kenneth→
Activedirector · ~44y · appointed 2026-04-01
View their other companies + combined net worth →
KINNIBURGH, Moira Jane→
Activedirector · ~54y · appointed 2026-01-31
View their other companies + combined net worth →
BARDSLEY, Michael John→
Resignedsecretary · resigned 1993-02-19
FELLOWES, Colin→
Resignedsecretary · appointed 1993-02-19 · resigned 1999-04-15
SMERGE, Raymond Gene→
Resignedsecretary · appointed 2001-11-22 · resigned 2004-12-31
SMYTH, Pamela June→
Resignedsecretary · appointed 2005-09-16 · resigned 2012-05-16
WORAM, Brian James→
Resignedsecretary · appointed 2005-01-01 · resigned 2005-09-16
CLIFFORD CHANCE SECRETARIES (CCA) LIMITED→
Resignedcorporate-secretary · appointed 2000-09-21 · resigned 2005-09-16
CLIFFORD CHANCE SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 1999-04-15 · resigned 2000-09-21
ANDERSON, Ewan Thomas→
Resigneddirector · ~60y · appointed 2005-09-16 · resigned 2011-03-29
BAK, Paul Mario→
Resigneddirector · ~71y · appointed 1999-04-15 · resigned 2005-09-16
BARDSLEY, Michael John→
Resigneddirector · ~82y · resigned 1993-02-19
BASELEY, Stewart Antony→
Resigneddirector · ~68y · appointed 1999-04-15 · resigned 2005-09-16
BATESON, John Swinburne→
Resigneddirector · ~84y · resigned 1994-08-24
BORLAND, Donald William→
Resigneddirector · ~60y · appointed 2014-11-24 · resigned 2016-03-31
BURGESS, Alan Robert→
Resigneddirector · ~73y · appointed 2000-01-12 · resigned 2000-11-30
COX, Michael John→
Resigneddirector · ~68y · resigned 1999-04-15
DEVINE, Stephen Colm→
Resigneddirector · ~79y · resigned 1996-11-01
EARLY, John Dalton→
Resigneddirector · ~81y · appointed 1992-06-12 · resigned 1996-05-29
ENDSOR, Christopher John→
Resigneddirector · ~65y · appointed 2007-10-29 · resigned 2023-01-25
Click a director name to see their full track record across all companies.
Mortgages & charges
66
Total charges
1
Outstanding
1
Active lenders
Status:Lender:66 of 66 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC ("the Security Agent") | Legal charge | 1 property | 14/09/2012 | 06/07/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Trustee, Agent and Security Agent for Each of the Senior Secured Parties (The Security Agent) | Debenture | 1 property | 29/02/2012 | 06/07/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Trustee, Agent and Security Agent for Each of the Secured Parties (The Security Agent) | Debenture | 1 property | 29/02/2012 | 06/07/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Trustee, Agent and Security Agent for Each of the Senior Secured Parties (The Security Agent) | Legal charge | 2 properties | 29/02/2012 | 06/07/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Trustee, Agent and Security Agent for Each of the Senior Secured Parties (The Security Agent) | Legal charge | 2 properties | 29/02/2012 | 06/07/2015 | |
| satisfied | Homes and Communities Agency | Legal charge | 1 property | 23/03/2009 | 21/05/2011 | |
| satisfied | Homes and Communities Agency | Legal charge | 1 property | 16/03/2009 | 21/05/2011 | |
| satisfied | Commission for the New Towns | Legal charge | 1 property | 25/04/2008 | 21/05/2011 | |
| satisfied | Commission for the New Towns | Legal charge | 1 property | 11/12/2007 | 21/05/2011 | |
| satisfied | The Queen's Most Excellent Majesty and Her Successors and the Crown Estate Commissioners | Legal charge | 1 property | 11/09/2006 | 10/02/2016 | |
| satisfied | Commission for the New Towns (Carrying on Business as English Partnerships) | Legal charge | 1 property | 30/06/2006 | 21/05/2011 | |
| satisfied | Blackpool Fylde and Wyre Hospitals National Health Service Trust | Legal charge | 1 property | 24/03/2005 | 21/05/2011 | |
| satisfied | Woodford Industries Woodford Industries Limited | Legal charge | 1 property | 02/03/2004 | 04/02/2012 | |
| satisfied | Buckinghamshire County Council | Legal charge | 1 property | 09/02/2004 | 10/03/2005 | |
| satisfied | Buckinghamshire County Council | Legal charge | 1 property | 09/02/2004 | 16/06/2015 | |
| satisfied | Renishaw Properties Renishaw Properties Limited | Legal charge | 1 property | 29/09/2003 | 21/05/2011 | |
| satisfied | Saunders & Williams (Printers) Saunders & Williams (Printers) Limited | Legal charge | 1 property | 11/07/2003 | 04/02/2004 | |
| satisfied | Innisfail Services Innisfail Services Limited | Legal charge | 1 property | 28/02/2003 | 04/02/2004 | |
| satisfied | B & W Loudspeakers & B & W Loudspeakers Company No 2 B & W Loudspeakers Limited & B & W Loudspeakers Company No 2 Limited | Deed of amendment to legal charge dated 1 may 2002 | 1 property | 11/02/2003 | 25/08/2005 | |
| satisfied | Hardys & Hansons Hardys & Hansons PLC | Legal charge | 1 property | 13/06/2002 | 04/02/2004 | |
| satisfied | B & W Loudspeakers and B & W Loudspeakers Company No.2 B & W Loudspeakers Limited and B & W Loudspeakers Company No.2 Limited | Legal charge | 1 property | 01/05/2002 | 10/09/2004 | |
| satisfied | Renishaw Properties Renishaw Properties Limited | Legal charge | 1 property | 31/07/2001 | 25/08/2005 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC,as Agent and Trustee for the Senior Lenders | Security agreement | 1 property | 30/03/2001 | 20/07/2005 | |
| satisfied | The Secretary of State for Defence | Clawback legal charge | 1 property | 29/03/2001 | 15/09/2005 | |
| satisfied | Megahart Megahart Limited | Legal charge | 1 property | 26/02/2001 | 15/09/2005 | |
| satisfied | Cathelco Cathelco Limited | Legal charge | 1 property | 08/11/2000 | 25/08/2005 | |
| satisfied | Renishaw Properties Renishaw Properties Limited | Legal charge | 1 property | 25/10/2000 | 25/08/2005 | |
| satisfied | Mclean Homes South West Mclean Homes South West Limited | Legal charge | 1 property | 30/06/2000 | 03/04/2001 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 1 property | 01/06/2000 | 03/04/2001 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 1 property | 01/06/2000 | 03/04/2001 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 1 property | 01/06/2000 | 15/09/2005 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 1 property | 01/06/2000 | 15/09/2005 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 1 property | 01/06/2000 | 15/09/2005 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 1 property | 01/06/2000 | 15/09/2005 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 1 property | 01/06/2000 | 03/04/2001 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 1 property | 01/06/2000 | 03/04/2001 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 3 properties | 01/06/2000 | 15/09/2005 | |
| satisfied | Girobank Girobank PLC | Third party legal charge | 1 property | 01/06/2000 | 15/09/2005 | |
| satisfied | Kilnhurst Kilnhurst Limited | Legal charge | 1 property | 17/05/2000 | 25/08/2005 | |
| satisfied | David Wood and Julia Margaret Wood | Legal charge | 1 property | 17/03/2000 | 06/07/2004 | |
| satisfied | National Power National Power PLC | Charge | 1 property | 03/02/2000 | 25/08/2005 | |
| satisfied | Milton Keynes Development Corporation. | Legal charge | 1 property | 01/02/1991 | 19/04/1999 | |
| satisfied | Britannia Building Society | Deed of collateral charge | 1 property | 23/11/1990 | 23/11/1993 | |
| satisfied | Eyton Developments (Suffolk) Eyton Developments (Suffolk) LTD | Legal charge | 1 property | 10/01/1990 | 17/07/1991 | |
| satisfied | Allied Irish Bank Allied Irish Bank PLC | Legal mortgage | 1 property | 01/08/1989 | 23/11/1993 | |
| satisfied | North Bedfordshire Borough Council | Legal charge | 1 property | 31/03/1989 | 17/07/1991 | |
| satisfied | Tokentriumph Tokentriumph Limited | Charge | 1 property | 30/06/1988 | 13/04/1991 | |
| satisfied | Thomas John Lawson / Joan Leighton Whitby | Legal charge | 1 property | 07/06/1988 | 17/07/1991 | |
| satisfied | Tokentriumph Tokentriumph Limited | Legal charge | 1 property | 20/05/1988 | 27/03/1991 | |
| satisfied | Tokentriumph Tokentriumph Limited | Legal charge | 1 property | 20/05/1988 | 27/03/1991 | |
| satisfied | Tokentriumph Tokentriumph LTD | Legal charge | 1 property | 20/05/1988 | 27/03/1991 | |
| satisfied | Tokentriumph Tokentriumph Limited | Legal charge | 1 property | 20/05/1988 | 27/03/1991 | |
| satisfied | Tokentruimph Tokentruimph Limited | Legal charge | 1 property | 20/05/1988 | 27/03/1991 | |
| satisfied | Tokentruimph Tokentruimph Limited | Legal charge | 1 property | 20/05/1988 | 01/09/2005 | |
| satisfied | Tokentriumph Tokentriumph Limited | Legal charge | 1 property | 20/05/1988 | 27/03/1991 | |
| satisfied | Tokentriumph Tokentriumph Limited | Legal charge | 1 property | 20/05/1988 | 19/04/1999 | |
| satisfied | Graham Richards Humphries and Joseph Peter Barlow | Registered pursuant to a court order dated 9.6.88 legal charge | 1 property | 15/12/1987 | 06/02/1991 | |
| satisfied | Bride Hall Group Bride Hall Group Limited | Deed of variation | 1 property | 19/10/1987 | 19/03/1991 | |
| satisfied | Rigidcity Rigidcity Limited | Legal charge | 1 property | 23/07/1987 | 19/03/1991 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 17/06/1987 | 19/03/1991 | |
| satisfied | Bride Hall Group Bride Hall Group Limited | Legal charge | 1 property | 06/05/1987 | 19/03/1991 | |
| satisfied | Six Hundred Six Hundred Limited | Legal charge | 1 property | 31/03/1987 | 19/03/1991 | |
| satisfied | Chantreys Building Company Chantreys Building Company Limited | Legal charge | 1 property | 20/11/1986 | 19/03/1991 | |
| outstanding | R.T.Z. Pension Property Trust R.T.Z. Pension Property Trust Limited | Rent security deposit deed | 1 property | 07/11/1986 | — | |
| satisfied | Amec Amec PLC | Mortgage debenture | 1 property | 17/09/1986 | 21/07/1988 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 09/07/1986 | 21/07/1988 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (373 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-25
appoint-person-director-company-with-name-date
officers · AP01
2026-04-07
termination-director-company-with-name-termination-date
officers · TM01
2026-04-06
gazette-filings-brought-up-to-date
gazette · DISS40
2026-03-11
accounts-with-accounts-type-dormant
accounts · AA
2026-03-10
gazette-notice-compulsory
gazette · GAZ1
2026-03-03
appoint-person-director-company-with-name-date
officers · AP01
2026-02-02
termination-director-company-with-name-termination-date
officers · TM01
2026-02-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-23
accounts-with-accounts-type-dormant
accounts · AA
2024-10-08
change-person-director-company-with-change-date
officers · CH01
2024-06-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-24
accounts-with-accounts-type-dormant
accounts · AA
2023-10-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-27
termination-director-company-with-name-termination-date
officers · TM01
2023-02-02