COASTAL COTTAGES OF PEMBROKESHIRE LIMITED

🌳Matureactive
02748097 · ltd · incorporated 1992-09-17
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 33.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£1.06M
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Renting and operating of Housing Association real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68320Management of real estate on a fee or contract basis
  • 93290Other amusement and recreation activities n.e.c.
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 54). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 33.6y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 33.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
14 officers (3 active, 14 linked, 9 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
110 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
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
77
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 £1,060,848
Cash YoY
+26%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1.4m
↑ 26% YoY
Net Worth
£1.1m
↑ 17% YoY
Current Assets
£1.6m
↑ 21% YoY
Current Liabilities
—
£0£324k£647k£971k£1.3m£1.6mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£1.08M£909.5k
Current assets£1.62M£1.34M
Cash£1.37M£1.09M
Debtors£228.5k£230.9k
Net assets£1.06M£905.8k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (52 events)Click to expand
  1. 2025-09-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-07-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2024-05-17
    ➖
    JENKINS, Linda Jane resigned
    director
  5. 2023-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-05-25
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2023-05-25
    🔓
    Charge satisfied #5
  8. 2022-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-12-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-08-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-06-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-07-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2016-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-01-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-09-17
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2008-06-04
    🔓
    Charge satisfied #6
  18. 2005-11-04
    🔒
    Charge registered #6
    Lender: Hsbc Bank PLC
  19. 2002-12-31
    ➖
    EVANS, Jacqueline Jean resigned
    secretary
  20. 2002-04-13
    🔓
    Charge satisfied #4
  21. 2002-04-13
    🔓
    Charge satisfied #3
  22. 2002-04-13
    🔓
    Charge satisfied #2
  23. 2002-04-13
    🔓
    Charge satisfied #1
  24. 2001-11-02
    ➕
    EVANS, Sophie Jane Morris appointed
    secretary
  25. 2001-11-02
    ➕
    EVANS, Jacqueline Jean appointed
    secretary
  26. 2001-11-02
    ➖
    EVANS, Jacqueline Jean resigned
    secretary
  27. 2001-11-02
    ➖
    JONES, Peter Edward Martin resigned
    secretary
  28. 2001-11-02
    ➖
    EVANS, Jacqueline Jean resigned
    director
  29. 2001-11-02
    ➖
    EVANS, Philip Wyn resigned
    director
  30. 2001-11-02
    ➖
    PARKER, Phillip Thomas resigned
    director
  31. 2001-10-20
    🔒
    Charge registered #5
    Lender: Hsbc Bank PLC
  32. 2001-10-12
    ➕
    JONES, Peter Edward Martin appointed
    secretary
  33. 2001-10-12
    ➕
    PARKER, Phillip Thomas appointed
    director
  34. 2001-10-11
    ➕
    EVANS, Sophie Jane Morris appointed
    director
  35. 1998-06-01
    ➕
    EVANS, Matthew Giles Wyn appointed
    director
  36. 1996-12-31
    ➖
    SHUTTLEWORTH, Ann Lewis resigned
    director
  37. 1994-11-17
    🔒
    Charge registered #4
    Lender: Barclays Bank PLC
  38. 1994-11-17
    🔒
    Charge registered #3
    Lender: Barclays Bank PLC
  39. 1994-02-01
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  40. 1994-01-01
    ➕
    JENKINS, Linda Jane appointed
    director
  41. 1994-01-01
    ➕
    SHUTTLEWORTH, Ann Lewis appointed
    director
  42. 1993-11-26
    ➖
    LAZARUS, Heather Ann resigned
    nominee-director
  43. 1992-11-03
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  44. 1992-10-12
    ➕
    EVANS, Jacqueline Jean appointed
    secretary
  45. 1992-10-12
    ➖
    LAZARUS, Harry Pierre resigned
    nominee-secretary
  46. 1992-10-12
    ➕
    EVANS, Jacqueline Jean appointed
    director
  47. 1992-10-12
    ➕
    EVANS, Philip Wyn appointed
    director
  48. 1992-10-12
    ➖
    LAZARUS, Harry Pierre resigned
    nominee-director
  49. 1992-09-17
    🏢
    Company incorporated
    As COASTAL COTTAGES OF PEMBROKESHIRE LIMITED
  50. 1992-09-17
    ➕
    LAZARUS, Harry Pierre appointed
    nominee-secretary
Showing most recent 50 of 52 events

Owner dependency

76/100
High — earn-out structure required

Material 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.
  • +Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 34 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
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.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Matthew Giles Wyn Evans
Individual · United Kingdom · DOB 11/2012 · age 14
25–50%
—25-50% shares26/11/2016
Mrs Sophie Jane Morris Evans
Individual · British · DOB 05/1972 · age 54
25–50%
—25-50% shares26/11/2016

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

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
Incorporated1992-09-17
Jurisdictionengland-wales
Primary SIC68201 — Renting and operating of Housing Association real estate

Registered office

Coastal House
Narberth Road
Haverfordwest
SA61 2XG

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-19
Last: 2025-11-05

Officers (3 active · 11 resigned)

EVANS, Sophie Jane Morris→
secretary · appointed 2001-11-02
View their other companies + combined net worth →
Active
EVANS, Matthew Giles Wyn→
director · ~54y · appointed 1998-06-01
View their other companies + combined net worth →
Active
EVANS, Sophie Jane Morris→
director · ~54y · appointed 2001-10-11
View their other companies + combined net worth →
Active
EVANS, Jacqueline Jean→
secretary · appointed 2001-11-02 · resigned 2002-12-31
Resigned
EVANS, Jacqueline Jean→
secretary · appointed 1992-10-12 · resigned 2001-11-02
Resigned
JONES, Peter Edward Martin→
secretary · appointed 2001-10-12 · resigned 2001-11-02
Resigned
LAZARUS, Harry Pierre→
nominee-secretary · appointed 1992-09-17 · resigned 1992-10-12
Resigned
EVANS, Jacqueline Jean→
director · ~75y · appointed 1992-10-12 · resigned 2001-11-02
Resigned
EVANS, Philip Wyn→
director · ~78y · appointed 1992-10-12 · resigned 2001-11-02
Resigned
JENKINS, Linda Jane→
director · ~71y · appointed 1994-01-01 · resigned 2024-05-17
Resigned
LAZARUS, Harry Pierre→
nominee-director · ~89y · appointed 1992-09-17 · resigned 1992-10-12
Resigned
LAZARUS, Heather Ann→
nominee-director · ~88y · appointed 1992-09-17 · resigned 1993-11-26
Resigned
PARKER, Phillip Thomas→
director · ~77y · appointed 2001-10-12 · resigned 2001-11-02
Resigned
SHUTTLEWORTH, Ann Lewis→
director · ~74y · appointed 1994-01-01 · resigned 1996-12-31
Resigned

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

Mortgages & charges

6
Total charges
0
Outstanding
0
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
satisfied
HSBC
Hsbc Bank PLC
Legal mortgage1 property04/11/200504/06/2008
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property20/10/200125/05/2023
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property17/11/199413/04/2002
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property17/11/199413/04/2002
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property01/02/199413/04/2002
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property03/11/199213/04/2002

Recent filings (110 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-30
termination-director-company-with-name-termination-date
officers · TM01
2024-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-05