TAY HOMES (NORTH WEST) LIMITED
🌳Matureactive
02189721 · ltd · incorporated 1987-11-06
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
—
not disclosed
Net worth
—
book net assets
Opportunity
65/100
Strong
What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 65/100 (strong), bankability 57/100. 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: strategic trade sale (38/100).
🏦
Refinance opportunity
70 live charges · 11 lenders · oldest 37.2y
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 37.2 years old — likely at or near maturity.
- · 11 lenders named — inter-creditor friction likely.
- · Legal-friction score 63/100 (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
70 charges (70/70 with lender, 70/70 with type)
90
Directors & officers
34 officers (3 active, 34 linked, 29 with DOB)
87
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
240 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
65/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (160 events)Click to expand
- 2026-02-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2026-02-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-17➕LEWIS, Katie appointeddirector
- 2025-11-13➖SCOTT, Michael Ian resigneddirector
- 2025-11-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-21➖RICHMOND, Barbara Mary resigneddirector
- 2025-08-21➕SCOTT, Michael Ian appointeddirector
- 2025-08-01➕BARRATT CORPORATE SECRETARIAL SERVICES LIMITED appointedcorporate-secretary
- 2025-08-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-01📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2025-08-01📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-07-31➕STONE, Timothy Huw appointeddirector
- 2025-07-31➖FORD, Bethany resignedsecretary
- 2025-07-31➖DAVIES, Helen resigneddirector
- 2024-08-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-11-30➖COPE, Graham Anthony resignedsecretary
- 2023-11-30➕FORD, Bethany appointedsecretary
- 2023-11-30📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2023-11-30📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-11-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-11-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-12-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-03-12📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-03-26📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-01-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2010-12-01➖BRAND, William John resigneddirector
- 2010-12-01➖MICKLEWRIGHT, Graham resigneddirector
- 2010-06-28➕DAVIES, Helen appointeddirector
- 2010-06-28➕RICHMOND, Barbara Mary appointeddirector
- 2009-11-26➖TUTTE, John Frederick resigneddirector
- 2009-06-30➕MICKLEWRIGHT, Graham appointeddirector
- 2009-03-18➖CAMPBELL KELLY, David John resigneddirector
- 2008-03-18🔓Charge satisfied #70
- 2007-02-17➖POWELL, Michael Robert resigneddirector
- 2005-03-11➖FITZSIMMONS, Neil resigneddirector
- 2003-05-28➖DAY, Jacqueline May resigneddirector
- 2003-02-17🔓Charge satisfied #32
- 2003-02-17🔓Charge satisfied #1
- 2003-01-01➕COPE, Graham Anthony appointedsecretary
- 2002-12-31➖WALKER, Rhiannon Ellis resignedsecretary
- 2002-11-12➖LOCKE, Gregson Horace resigneddirector
- 2002-06-14➖LEWIS, Alun Watkin resigneddirector
- 2002-04-30➖EVANS, Stephen Geoffrey resignedsecretary
- 2002-04-30➕WALKER, Rhiannon Ellis appointedsecretary
- 2002-03-11➖WARRINGTON, Brian resigneddirector
- 2002-02-15🔓Charge satisfied #69
- 2002-02-15🔓Charge satisfied #68
Showing most recent 50 of 160 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 · 1 low4 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: FORD, Bethany resigned 2025-07-31; DAVIES, Helen resigned 2025-07-31; RICHMOND, Barbara Mary resigned 2025-08-21
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
55 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Hb (Cpts) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Hb (Cpts) Limited
Corporate parent · holds 75-100% shares · board control
⬇
TAY HOMES (NORTH WEST) LIMITED
This company · 02189721
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 |
|---|---|---|---|---|
Hb (Cpts) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Redrow Homes Limitedceased 18/04/2018· 25-50% shares
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 · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & G JOINERY (NW) LTD→ 16266045 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A J SHONE & SON LIMITED→ 04188924 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| A JARVIS ELECTRICAL (WIDNES) LIMITED→ 10517551 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A.BERNIE & CO.(QUEENSFERRY AUCTION)LIMITED→ 00502015 · est 1951 · no financials extracted | — | — | — | — | 74y | — | — |
| A.I.P. (DERWENT RIVERSIDE) LIMITED→ 09174440 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ACTUAL LANDSCAPES LTD→ 10543710 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AD PAINTING LTD→ 16790796 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADAPT ROPE ACCESS LIMITED→ 16537768 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADSCAF ACCESS SOLUTIONS LTD→ 15605812 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ADVANCED ROOFLINE SYSTEMS LIMITED→ 11688404 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ADVANCEDKEYLINE SLATE & ROOFING SUPPLIES LTD→ 16176265 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AED DEVELOPMENTS LIMITED→ 13097531 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated1987-11-06
Jurisdictionengland-wales
Primary SIC41202 — Construction of domestic buildings
Registered office
Redrow House
Saint Davids Park
Ewloe
Flintshire
CH5 3RX
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-12-24
Last: 2025-12-10
Officers (3 active · 31 resigned)
BARRATT CORPORATE SECRETARIAL SERVICES LIMITED→
Activecorporate-secretary · appointed 2025-08-01
View their other companies + combined net worth →
LEWIS, Katie→
Activedirector · ~45y · appointed 2026-02-17
View their other companies + combined net worth →
STONE, Timothy Huw→
Activedirector · ~48y · appointed 2025-07-31
View their other companies + combined net worth →
COPE, Graham Anthony→
Resignedsecretary · appointed 2003-01-01 · resigned 2023-11-30
EVANS, Stephen Geoffrey→
Resignedsecretary · resigned 2002-04-30
FORD, Bethany→
Resignedsecretary · appointed 2023-11-30 · resigned 2025-07-31
WALKER, Rhiannon Ellis→
Resignedsecretary · appointed 2002-04-30 · resigned 2002-12-31
BANNISTER, William Henry→
Resigneddirector · ~77y · appointed 1999-03-15 · resigned 2002-01-09
BRAND, William John→
Resigneddirector · ~73y · appointed 2002-01-09 · resigned 2010-12-01
CAMPBELL KELLY, David John→
Resigneddirector · ~69y · appointed 2002-01-09 · resigned 2009-03-18
CRANMER, Stephen→
Resigneddirector · ~73y · resigned 1998-11-06
DAVIES, Helen→
Resigneddirector · ~60y · appointed 2010-06-28 · resigned 2025-07-31
DAY, Jacqueline May→
Resigneddirector · ~68y · appointed 2002-01-09 · resigned 2003-05-28
ELLIS, Mark Duncan→
Resigneddirector · ~64y · resigned 1998-10-23
FITZSIMMONS, Neil→
Resigneddirector · ~67y · appointed 2002-01-09 · resigned 2005-03-11
GRIFFITHS, Martin Paul→
Resigneddirector · ~72y · resigned 1999-07-05
HURLEY, Colin Anthony→
Resigneddirector · ~84y · appointed 1994-01-27 · resigned 1996-02-01
LEWIS, Alun Watkin→
Resigneddirector · ~74y · appointed 2002-01-09 · resigned 2002-06-14
LOCKE, Gregson Horace→
Resigneddirector · ~70y · appointed 2002-01-09 · resigned 2002-11-12
MAUNDERS, John Ware→
Resigneddirector · ~81y · appointed 1999-03-15 · resigned 2002-01-09
Click a director name to see their full track record across all companies.
Mortgages & charges
70
Total charges
55
Outstanding
4
Active lenders
Status:Lender:70 of 70 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Redrow Homes Redrow Homes Limited | Debenture | 1 property | 08/02/2002 | 18/03/2008 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 21/08/2001 | 15/02/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 09/08/2001 | 15/02/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 09/08/2001 | 15/02/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 29/05/2001 | 15/02/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 31/03/2001 | 15/02/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 14/02/2001 | 15/02/2002 | |
| satisfied | Hampton (Peterborough) Hampton (Peterborough) Limited | Deed of developmemt control | 1 property | 01/02/2001 | 15/02/2002 | |
| satisfied | Lloyds Banking Group National Westminster Bank PLC / The Royal Bank of Scotland PLC | Legal mortgage | 1 property | 27/03/2000 | 15/02/2002 | |
| satisfied | Lloyds Banking Group National Westminster Bank PLC / The Royal Bank of Scotland PLC | Legal mortgage | 1 property | 27/03/2000 | 15/02/2002 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 18/09/1998 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 16/09/1998 | — | |
| outstanding | Lloyds Banking Group National Westminster Bank PLC as Trustee for Itself and the Royal Bank of Scotland PLC | Legal mortgage | 1 property | 27/07/1998 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 07/04/1998 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 01/12/1997 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 24/11/1997 | — | |
| outstanding | Lloyds Banking Group National Westminster Bank PLC for Itself & Royal Bank of Scotland PLC | Legal mortgage | 1 property | 14/11/1997 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 07/11/1997 | — | |
| outstanding | Lloyds Banking Group National Westminster Bank PLC for Itself and the Royal Bank of Scotland PLC | Legal mortgage | 1 property | 01/09/1997 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 04/08/1997 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 04/08/1997 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 07/07/1997 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 25/04/1997 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 19/12/1996 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 21/10/1996 | — | |
| outstanding | William Hargreaves William Hargreaves Limited | Charge of whole | 1 property | 21/10/1996 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 03/07/1996 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 03/07/1996 | — | |
| satisfied | Co-operative Bank The Co-Operative Bank PLC | Charge | 1 property | 06/03/1996 | 15/03/2000 | |
| outstanding | Lloyds Banking Group National Westminster Bank PLC for Itself and the Royal Bank of Scotland PLC | Legal mortgage | 1 property | 04/08/1995 | — | |
| outstanding | Britannia New Homes Britannia New Homes Limited | Legal charge | 1 property | 04/08/1995 | — | |
| outstanding | Lloyds Banking Group National Westminster Bank PLC for Itself & Royal Bank of Scotland PLC | Legal mortgage | 1 property | 05/07/1995 | — | |
| outstanding | Lloyds Banking Group National Westminster Bank PLC for Itself and Royal Bank of Scotland PLC | Legal mortgage | 1 property | 03/07/1995 | — | |
| outstanding | Lloyds Banking Group National Westminster Bank PLC for Itself & Royal Bank of Scotland PLC | Legal mortgage | 1 property | 30/06/1995 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 10/05/1995 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 24/04/1995 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 23/02/1995 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 31/01/1995 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Deed of trust debenture and guarantee | 1 property | 03/01/1995 | 17/02/2003 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 26/08/1994 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 18/07/1994 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 04/07/1994 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 14/06/1994 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 05/05/1994 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 22/04/1994 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 31/03/1994 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 14/02/1994 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 30/12/1993 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 17/12/1993 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 30/11/1993 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 23/09/1993 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 12/08/1993 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 25/03/1993 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 25/03/1993 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 25/03/1993 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 25/03/1993 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 25/03/1993 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 25/03/1993 | 27/07/1993 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 12/11/1992 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 18/08/1992 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 07/05/1992 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 15/04/1992 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 03/04/1992 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 27/06/1991 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 01/02/1991 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 04/04/1990 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 30/03/1990 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 25/01/1990 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 22/12/1989 | 15/07/1992 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 22/03/1989 | 17/02/2003 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (240 total)
accounts-with-accounts-type-dormant
accounts · AA
2026-02-23
appoint-person-director-company-with-name-date
officers · AP01
2026-02-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-12
termination-director-company-with-name-termination-date
officers · TM01
2025-11-13
appoint-person-director-company-with-name-date
officers · AP01
2025-08-22
termination-director-company-with-name-termination-date
officers · TM01
2025-08-22
termination-director-company-with-name-termination-date
officers · TM01
2025-08-01
appoint-person-director-company-with-name-date
officers · AP01
2025-08-01
appoint-corporate-secretary-company-with-name-date
officers · AP04
2025-08-01
termination-secretary-company-with-name-termination-date
officers · TM02
2025-08-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-10
accounts-with-accounts-type-dormant
accounts · AA
2024-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-11
appoint-person-secretary-company-with-name-date
officers · AP03
2023-11-30
termination-secretary-company-with-name-termination-date
officers · TM02
2023-11-30