4M INVESTMENTS LIMITED
🌳Matureactive
03293588 · ltd · incorporated 1996-12-17
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£1.53M
book net assets
Opportunity
72/100
Strong
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 strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).
🏦
Refinance opportunity
11 live charges · 9 lenders · oldest 29.4y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 29.4 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (83/100)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
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
21 officers (3 active, 21 linked, 10 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
159 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
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £1,526,904
Net assets shrinking
Down £70,399 YoY
Cash draining
Cash down 61% YoY
Cash YoY
-61%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£96k
↓ 61% YoY
Net Worth
£1.5m
↓ 4.4% YoY
Current Assets
£1.8m
↓ 5.6% YoY
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 |
|---|---|---|
| Total assets | £3.05M | £3.12M |
| Current assets | £1.84M | £1.95M |
| Cash | £96.4k | £246.9k |
| Debtors | £1.74M | £1.70M |
| Net assets | £1.53M | £1.60M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (77 events)Click to expand
- 2025-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-18📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-02-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-03📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-10-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-07-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-06-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-06-21➖BLONSTEIN, Loretta Rene resigneddirector
- 2020-12-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-09🔒Charge registered #11Lender: C & K Recoveries Limited
- 2018-02-24🔓Charge satisfied #9
- 2018-02-14🔒Charge registered #10Lender: Shawbrook Bank Limited
- 2017-12-08🔓Charge satisfied #8
- 2017-12-08🔓Charge satisfied #7
- 2017-12-08🔓Charge satisfied #6
- 2017-12-08🔓Charge satisfied #5
- 2017-12-08🔓Charge satisfied #4
- 2017-12-08🔓Charge satisfied #3
- 2017-12-08🔓Charge satisfied #1
- 2017-08-17➕PARSONS, Alex Gordon John appointeddirector
- 2017-06-26🔒Charge registered #9Lender: Vijay Lakhani
- 2014-04-01➕GOLD, Lloyd Andrew appointeddirector
- 2013-04-25🔒Charge registered #8Lender: United Trust Bank Limited
- 2010-08-12➖INTERNATIONAL REGISTRARS LIMITED resignedcorporate-secretary
- 2010-07-01➕GOLD, Lloyd Andrew appointedsecretary
- 2010-07-01➕BLONSTEIN, Loretta Rene appointeddirector
- 2010-06-01➖SHEFRAS, Matthew Emile resigneddirector
- 2010-03-31🔒Charge registered #7Lender: Denise Winton
- 2010-02-08➖WINTON, Harold Stanley resigneddirector
- 2009-09-30➕SHEFRAS, Matthew Emile appointeddirector
- 2009-08-20➖O'HALLORAN, Terri resignedsecretary
- 2009-08-19➕O'HALLORAN, Terri appointedsecretary
- 2009-05-13➖O'HALLORAN, Terri resignedsecretary
- 2009-05-13➕INTERNATIONAL REGISTRARS LIMITED appointedcorporate-secretary
- 2009-02-04➖WINTON, Alexander Guy resigneddirector
- 2009-02-04➕WINTON, Harold Stanley appointeddirector
- 2008-11-24➖O'HALLORAN, Terri resigneddirector
- 2008-01-08🔒Charge registered #6Lender: Lloyds Tsb Bank PLC
- 2006-06-09➖IRESON, Christie Joelle resignedsecretary
- 2006-06-09➕O'HALLORAN, Terri appointedsecretary
- 2006-06-09➕O'HALLORAN, Terri appointeddirector
Showing most recent 50 of 77 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
59/100
Strong succession signalMultiple 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.
- secondary12+ year tenure: Director in role 12 years.
- 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Lloyd Andrew Gold Individual · British · DOB 09/1970 · age 56 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
2 historic (ceased) PSCs
- Ms Loretta Rene Blonsteinceased 21/06/2021· significant influence
- Mr Scott Ewingceased 13/12/2020· significant influence
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 · WD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3 MINSTER ROAD MANAGEMENT CO LTD→ 04204725 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| 4 COMPAYNE GARDENS LIMITED→ 05888788 · est 2006 | — | — | — | — | 19y | — | — |
| 54 GOLDERS GREEN LTD→ 13413137 · est 2021 | — | — | — | 0 | 4y | — | — |
| 54 LITCHFIELD GARDENS RTM COMPANY LIMITED→ 09440263 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| 55 ELGIN CRESCENT LIMITED→ 03543989 · est 1998 · no financials extracted | — | — | — | — | 28y | — | — |
| 7-12 MAURICE COURT RTM COMPANY LIMITED→ 09872308 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| 77 VESPAN ROAD (SPV) LIMITED→ 15056197 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 78 DALLING ROAD LTD.→ 12342032 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 79-81 WESTBOURNE TERRACE (FREEHOLD) LIMITED→ 05273075 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| 7TH RAY UK LIMITED→ 10929962 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 8 SPRINGFIELD CLOSE LIMITED→ 16394326 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 81 GUILFORD STREET LIMITED→ 09287503 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated1996-12-17
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
5 Stirling Court
Stirling Way
Borehamwood
WD6 2FX
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-07-13
Last: 2026-06-29
Officers (3 active · 18 resigned)
GOLD, Lloyd Andrew→
Activesecretary · appointed 2010-07-01
View their other companies + combined net worth →
GOLD, Lloyd Andrew→
Activedirector · ~56y · appointed 2014-04-01
View their other companies + combined net worth →
PARSONS, Alex Gordon John→
Activedirector · ~34y · appointed 2017-08-17
View their other companies + combined net worth →
ANDERSON, Colin→
Resignedsecretary · appointed 2002-01-08 · resigned 2005-05-16
BULL, David James→
Resignedsecretary · appointed 1996-12-17 · resigned 2002-01-08
IRESON, Christie Joelle→
Resignedsecretary · appointed 2005-05-16 · resigned 2006-06-09
O'HALLORAN, Terri→
Resignedsecretary · appointed 2009-08-19 · resigned 2009-08-20
O'HALLORAN, Terri→
Resignedsecretary · appointed 2006-06-09 · resigned 2009-05-13
INTERNATIONAL REGISTRARS LIMITED→
Resignedcorporate-secretary · appointed 2009-05-13 · resigned 2010-08-12
KEY LEGAL SERVICES (SECRETARIAL) LIMITED→
Resignedcorporate-nominee-secretary · appointed 1996-12-17 · resigned 1996-12-17
BLONSTEIN, Loretta Rene→
Resigneddirector · ~87y · appointed 2010-07-01 · resigned 2021-06-21
CORTI, Massimo→
Resigneddirector · ~57y · appointed 1996-12-17 · resigned 1997-09-24
MERLO, Pier Giorgio→
Resigneddirector · ~91y · appointed 1997-09-24 · resigned 2005-10-31
O'HALLORAN, Terri→
Resigneddirector · ~65y · appointed 2006-06-09 · resigned 2008-11-24
SHEFRAS, Matthew Emile→
Resigneddirector · ~53y · appointed 2009-09-30 · resigned 2010-06-01
SIA, Francesca→
Resigneddirector · ~69y · appointed 1996-12-17 · resigned 1999-06-03
WINTON, Alexander Guy→
Resigneddirector · ~55y · appointed 2006-06-09 · resigned 2009-02-04
WINTON, Harold Stanley→
Resigneddirector · ~92y · appointed 2009-02-04 · resigned 2010-02-08
CONSULTANCY AND ADVISORY BUREAU LIMITED→
Resignedcorporate-director · appointed 1999-06-03 · resigned 2000-04-03
HELITING COMPANY ADMINISTRATION LIMITED→
Resignedcorporate-director · appointed 2000-04-03 · resigned 2006-06-09
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
2
Outstanding
2
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | C & K Recoveries C & K Recoveries Limited | A registered charge | 3 properties | 09/07/2018 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 14/02/2018 | — | |
| satisfied | Vijay Lakhani | A registered charge | 1 property | 26/06/2017 | 24/02/2018 | |
| satisfied | United Trust Bank United Trust Bank Limited | A registered charge | 2 properties | 25/04/2013 | 08/12/2017 | |
| satisfied | Denise Winton | Debenture | 1 property | 31/03/2010 | 08/12/2017 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 08/01/2008 | 08/12/2017 | |
| satisfied | Tallyspace Tallyspace Limited | Legal charge | 2 properties | 09/06/2006 | 08/12/2017 | |
| satisfied | Anglo Irish Bank Corporation Anglo Irish Bank Corporation PLC | Debenture | 2 properties | 09/06/2006 | 08/12/2017 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 03/09/1999 | 08/12/2017 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage deed | 2 properties | 01/12/1997 | 10/01/2006 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 27/02/1997 | 08/12/2017 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (159 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-18
change-person-secretary-company-with-change-date
officers · CH03
2025-02-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-11
change-person-director-company-with-change-date
officers · CH01
2025-02-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-27
change-person-secretary-company-with-change-date
officers · CH03
2024-12-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-16