9 WESTGATE TERRACE LIMITED
🌳Matureactive
02559191 · ltd · incorporated 1990-11-16
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 35.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£20.6k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 35.4y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 35.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · 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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 5 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
93 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £20,623
Net assets shrinking
Down £20,877 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£21k
↓ 50% YoY
Current Assets
£14k
↓ 60% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £20.6k | £41.5k |
| Current assets | £13.7k | £34.6k |
| Net assets | £20.6k | £41.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (23 events)Click to expand
- 2025-11-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-11-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-11-01➕BANISTER, Mark Edward appointeddirector
- 2018-11-01➖BANISTER, Richard Charles resigneddirector
- 2018-06-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-06-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-06-28📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2017-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-11-15📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2007-10-28➕BANISTER, Richard Charles appointeddirector
- 2007-10-28➖BULL, Neville Roy resigneddirector
- 2001-09-17➕BULL, Neville Roy appointeddirector
- 2001-09-17➖DUCKER, Elsa resigneddirector
- 1991-01-11🔒Charge registered #1Lender: Susan Melanie Pinsent
- 1990-11-16🏢Company incorporatedAs 9 WESTGATE TERRACE LIMITED
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 36 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Susan Melanie Pinsent Individual · British · DOB 07/1964 · age 62 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 →Similar companies
Active · Property · TN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 8 GROVE AVENUE LIMITED→ 04242622 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| 8 LETTER PROPERTIES LTD→ 16700709 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 8 STADIUM STREET LTD→ 13555607 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 86 ST HELENS ROAD HASTINGS MANAGEMENT LTD→ 16723443 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A1 PORTFOLIO INVESTMENTS LTD→ 14957727 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A3J PROPERTY LIMITED→ 15321438 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A4 DAN LTD→ 13813482 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AAA FUTURES DEVELOPMENT LIMITED→ 16550002 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AAIISEN ASSOCIATES LIMITED→ 15222124 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AARHUS LIMITED→ 11215747 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AB & E CONSULTING LTD→ 03842835 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| AB ANNEXE LTD→ 15792120 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated1990-11-16
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Farley Mill
Farley Common
Westerham
Kent
TN16 1UB
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-18
Last: 2025-11-04
Officers (3 active · 3 resigned)
Active
BANISTER, Mark Edward→
Activedirector · ~63y · appointed 2018-11-01
View their other companies + combined net worth →
Active
BANISTER, Richard Charles→
Resigneddirector · ~66y · appointed 2007-10-28 · resigned 2018-11-01
BULL, Neville Roy→
Resigneddirector · ~77y · appointed 2001-09-17 · resigned 2007-10-28
DUCKER, Elsa→
Resigneddirector · ~65y · resigned 2001-09-17
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Susan Melanie Pinsent | Legal charge | 1 property | 11/01/1991 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (93 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-28
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-06
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-20
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-16
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-10
accounts-with-accounts-type-micro-entity
accounts · AA
2018-11-04