1ST 4 STUDENTS LTD
🌳Matureactive
03188532 · ltd · incorporated 1996-04-19
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 27.4y old — refinance window within 12 months
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
—
year to Jun 2025
Net worth
£1.32M
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 66-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 66). 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
2 live charges · oldest 27.4y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 27.4 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: medium (71/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (5 active, 8 linked, 4 with DOB)
80
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
3 connected companies via shared directors
54
Filing history
89 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
83/100Exceptional
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
85
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 £1,321,210
Cash YoY
+74%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£32k
↑ 74% YoY
Net Worth
£1.3m
↑ 2.0% YoY
Current Assets
£32k
↑ 73% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £1.50M | £1.47M |
| Current assets | £32.1k | £18.5k |
| Cash | £31.7k | £18.3k |
| Debtors | £390 | £283 |
| Net assets | £1.32M | £1.30M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-03-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-07-30📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-12-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-03-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-03-14📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-03-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-01📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-03-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-03-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-02-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-03-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2015-04-24➕WABE, Rosamund appointeddirector
- 2006-12-08🔓Charge satisfied #2
- 2006-04-01➕LOMAS, Margaret Jean appointeddirector
- 2005-04-01➕LOMAS, Margaret Jean appointedsecretary
- 2004-04-01➖LOMAS, Jon Peter resignedsecretary
- 1999-01-29🔒Charge registered #2Lender: Midland Bank PLC
- 1999-01-29🔒Charge registered #1Lender: Midland Bank PLC
- 1996-05-14➕LOMAS, Jonathan Peter appointeddirector
- 1996-05-14➕WABE, John Stuart appointeddirector
- 1996-05-14➖BHARDWAJ, Ashok resignednominee-secretary
- 1996-05-14➕LOMAS, Jon Peter appointedsecretary
- 1996-05-14➖BHARDWAJ CORPORATE SERVICES LIMITED resignedcorporate-nominee-director
- 1996-04-19🏢Company incorporatedAs 1ST 4 STUDENTS LTD
- 1996-04-19➕BHARDWAJ, Ashok appointednominee-secretary
- 1996-04-19➕BHARDWAJ CORPORATE SERVICES LIMITED appointedcorporate-nominee-director
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
80/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 30 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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 · SN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 32-37 DUKE STREET TROWBRIDGE MANAGEMENT LIMITED→ 02757690 · est 1992 · no financials extracted | — | — | — | — | 33y | — | — |
| ABTL PROPERTY LTD→ 16170866 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ABZW1246 LIMITED→ 12002568 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADAM BAILEY PROPERTIES LIMITED→ 10988738 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ADAM LUKER HOLDINGS LTD→ 14705464 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ADAM LUKER LIMITED→ 12545148 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ADMIRANTIS LIMITED→ 09475907 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AE INVESTMENTS-UK LIMITED→ 15732291 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AE ROBINSON LIMITED→ 15297771 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AFFLECK & MAJOR LTD→ 12779423 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AGUNLEJIKA ESTATE LTD→ 13619989 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AHAYA PROPERTIES LTD→ 15581763 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated1996-04-19
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Brounckers House Brounckers House
Lower Road, Erlestoke
Devizes
Wiltshire
SN10 5UE
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-05-02
Last: 2026-04-18
Officers (5 active · 3 resigned)
LOMAS, Margaret Jean→
Activesecretary · appointed 2005-04-01
View their other companies + combined net worth →
LOMAS, Jonathan Peter→
Activedirector · ~66y · appointed 1996-05-14
View their other companies + combined net worth →
LOMAS, Margaret Jean→
Activedirector · ~66y · appointed 2006-04-01
View their other companies + combined net worth →
WABE, John Stuart→
Activedirector · ~59y · appointed 1996-05-14
View their other companies + combined net worth →
WABE, Rosamund→
Activedirector · ~54y · appointed 2015-04-24
View their other companies + combined net worth →
BHARDWAJ, Ashok→
Resignednominee-secretary · appointed 1996-04-19 · resigned 1996-05-14
LOMAS, Jon Peter→
Resignedsecretary · appointed 1996-05-14 · resigned 2004-04-01
BHARDWAJ CORPORATE SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 1996-04-19 · resigned 1996-05-14
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Midland Bank Midland Bank PLC | Debenture | 1 property | 29/01/1999 | 08/12/2006 | |
| outstanding | Midland Bank Midland Bank PLC | Legal mortgage | 1 property | 29/01/1999 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (89 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-17
change-person-director-company-with-change-date
officers · CH01
2025-07-30
change-person-director-company-with-change-date
officers · CH01
2025-06-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-27
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-29
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-03-14
change-person-director-company-with-change-date
officers · CH01
2022-03-01
change-person-director-company-with-change-date
officers · CH01
2022-03-01
change-person-director-company-with-change-date
officers · CH01
2022-03-01