CARDINAL PROPERTY SERVICES LIMITED
🌳Matureactive
02821696 · ltd · incorporated 1993-05-26
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
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueActive trading company with a 81-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 81). Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
40 live charges · 3 lenders · oldest 32.9y
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 32.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
40 charges (40/40 with lender, 40/40 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 3 with DOB)
78
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
174 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
3
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 gazette
Last 90 days
3
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 gazette
Last 180 days
4
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 gazette
Counts from Companies House filing history.
Corporate timeline (102 events)Click to expand
- 2026-06-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-06-09📄gazette-notice-compulsorygazette · GAZ1
- 2026-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-11🔒Charge registered #40Lender: Lloyds Bank PLC
- 2024-06-11🔒Charge registered #39Lender: Lloyds Bank PLC
- 2024-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-24🔓Charge satisfied #1
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-24🔓Charge satisfied #37
- 2024-04-24🔓Charge satisfied #35
- 2024-04-24🔓Charge satisfied #34
- 2024-04-24🔓Charge satisfied #33
- 2024-04-24🔓Charge satisfied #32
- 2024-04-24🔓Charge satisfied #31
- 2024-04-24🔓Charge satisfied #29
- 2024-04-24🔓Charge satisfied #28
- 2024-04-24🔓Charge satisfied #27
- 2024-04-24🔓Charge satisfied #26
- 2024-04-24🔓Charge satisfied #25
- 2024-04-24🔓Charge satisfied #24
- 2024-04-24🔓Charge satisfied #19
- 2024-04-24🔓Charge satisfied #18
- 2024-04-24🔓Charge satisfied #17
- 2024-04-24🔓Charge satisfied #20
- 2024-04-24🔓Charge satisfied #16
- 2024-04-24🔓Charge satisfied #15
- 2024-04-24🔓Charge satisfied #14
- 2024-04-24🔓Charge satisfied #13
- 2024-04-24🔓Charge satisfied #12
- 2024-04-24🔓Charge satisfied #10
- 2024-04-24🔓Charge satisfied #9
- 2022-10-16➕DOHERTY, Edward Joseph appointedsecretary
Showing most recent 50 of 102 events
Owner dependency
91/100
Critical — business is the founderThe 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.
- +Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 81 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
96/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 33 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 · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
15 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Edward Doherty Individual · British · DOB 11/1984 · age 42 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/01/2017 |
Mr Edward Joseph Doherty Individual · British · DOB 05/1945 · age 81 | — | — | sig. influencesignificant influence | 01/04/2019 |
1 historic (ceased) PSC
- Mr Daniel Dohertyceased 22/06/2026· 25-50% shares · 25-50% voting
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 · MK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A1LININGANDCIVILS LTD→ 16916177 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AARDVARK PROPERTY SERVICES (MILTON KEYNES) LTD→ 11714104 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABBEYMILL ESTATES LIMITED→ 11772626 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ACCESS CONTROL FOR EDUCATION LTD→ 15249175 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACCLAIM HOME IMPROVEMENTS LIMITED→ 01881224 · est 1985 · no financials extracted | — | — | — | — | 41y | — | — |
| ACE RESIN FLOORING LTD→ 11346382 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACL ELECTRICAL CONTRACTORS LIMITED→ 08320499 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ACLAND ROAD LIMITED→ 12406306 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACMECHANICAL LIMITED→ 17104132 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACOUSTIC DESIGN & ARCHITECTURE LTD→ 16461710 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACS INTERIORS LTD→ 15662395 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACTIVE 5 LIMITED→ 08661896 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
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
Incorporated1993-05-26
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects
Registered office
Unit 6 Woodside Farm
Clophill Road
Maulden
Beds
MK45 2AE
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-08
Last: 2026-02-22
Officers (3 active · 5 resigned)
DOHERTY, Edward Joseph→
Activesecretary · appointed 2022-10-16
View their other companies + combined net worth →
DOHERTY, Edward Joseph→
Activedirector · ~42y · appointed 2013-12-01
View their other companies + combined net worth →
DOHERTY, Edward Joseph→
Activedirector · ~81y · appointed 1993-07-03
View their other companies + combined net worth →
DOHERTY, Jacqueline→
Resignedsecretary · appointed 1996-06-29 · resigned 2022-10-15
GALLOGLY, Patrick Joseph→
Resignedsecretary · appointed 1993-07-03 · resigned 1996-06-29
TEMPLE SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1993-05-26 · resigned 1993-07-03
GALLOGLY, Patrick Joseph→
Resigneddirector · ~82y · appointed 1993-07-03 · resigned 1996-06-29
COMPANY DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 1993-05-26 · resigned 1993-07-03
Click a director name to see their full track record across all companies.
Mortgages & charges
40
Total charges
15
Outstanding
3
Active lenders
Status:Lender:40 of 40 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 11/06/2024 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 32 properties | 11/06/2024 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 28 properties | 22/12/2017 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 10/06/2009 | 24/04/2024 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 22/05/2009 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 03/03/2009 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 2 properties | 22/12/2008 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 22/12/2008 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 22/12/2008 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 18/06/2007 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 30/06/2006 | 16/02/2016 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 02/06/2006 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 10/05/2006 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 27/04/2006 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 23/09/2005 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 03/11/2004 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 16/08/2004 | 24/04/2024 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 30/04/2004 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 28/04/2004 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 26/04/2004 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 2 properties | 05/03/2004 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 19/01/2004 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 30/10/2003 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 09/05/2003 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 16/01/2003 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 16/01/2003 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 16/01/2003 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 12/06/2002 | 24/04/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 04/07/2001 | 24/04/2024 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 30/11/2000 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 05/10/2000 | 24/04/2024 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 05/07/2000 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 27/06/2000 | 24/04/2024 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 22/11/1999 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 23/03/1999 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 2 properties | 06/01/1997 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 09/03/1995 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 23/01/1995 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 27/09/1994 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 30/07/1993 | 24/05/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (174 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-06-22
gazette-notice-compulsory
gazette · GAZ1
2026-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-12-01
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-11
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-24