WORKING MIRACLES LIMITED

🌳Matureactive
03361582 · ltd · incorporated 1997-04-29
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 Apr 2025
Net worth
£30.1k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Property-backed borrower with a 70-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (93/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

6 live charges · 4 lenders · oldest 21.5y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 21.5 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · 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, 2 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
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
102 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
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £30,103
Net assets shrinking
Down £2,631 YoY
Cash YoY
+3000%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£124
↑ 3000% YoY
Net Worth
£30k
↓ 8.0% YoY
Current Assets
£124
↑ 3000% YoY
Current Liabilities
—
£0£7k£13k£20k£26k£33kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Total assets£173.5k£172.5k
Current assets£124£4
Cash£124£4
Net assets£30.1k£32.7k

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 (38 events)Click to expand
  1. 2025-08-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-01-28
    🔒
    Charge registered #6
    Lender: The Mortgage Works (UK) PLC
  4. 2024-08-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-01-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2023-01-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2023-01-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-01-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2021-11-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-07-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-12-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-12-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2018-07-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2018-02-28
    📄
    resolution
    resolution · RESOLUTIONS
  16. 2018-02-28
    📄
    capital-allotment-shares
    capital · SH01
  17. 2017-10-09
    🔓
    Charge satisfied #2
  18. 2017-07-20
    🔓
    Charge satisfied #5
  19. 2017-07-20
    🔓
    Charge satisfied #4
  20. 2017-07-20
    🔓
    Charge satisfied #3
  21. 2017-07-20
    🔓
    Charge satisfied #1
  22. 2014-04-01
    ➕
    REYNOLDS, Linda Ann appointed
    director
  23. 2006-05-23
    🔒
    Charge registered #5
    Lender: Lancashire Mortgage Corporation Limited
  24. 2006-05-23
    🔒
    Charge registered #4
    Lender: Lancashire Mortgage Corporation Limited
  25. 2006-05-23
    🔒
    Charge registered #3
    Lender: Lancashire Mortgage Corporation Limited
  26. 2006-04-28
    ➖
    REYNOLDS, Charles resigned
    secretary
  27. 2004-12-13
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  28. 2004-12-10
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Bank PLC
  29. 2004-06-18
    ➖
    REYNOLDS, Richard David resigned
    director
  30. 2004-06-01
    ➕
    REYNOLDS, Linda Ann appointed
    secretary
  31. 1997-04-29
    🏢
    Company incorporated
    As WORKING MIRACLES LIMITED
  32. 1997-04-29
    ➕
    REYNOLDS, Charles Edward appointed
    director
  33. 1997-04-29
    ➕
    REYNOLDS, Charles appointed
    secretary
  34. 1997-04-29
    ➕
    ACCESS REGISTRARS LIMITED appointed
    corporate-nominee-secretary
  35. 1997-04-29
    ➖
    ACCESS REGISTRARS LIMITED resigned
    corporate-nominee-secretary
  36. 1997-04-29
    ➕
    REYNOLDS, Richard David appointed
    director
  37. 1997-04-29
    ➕
    ACCESS NOMINEES LIMITED appointed
    corporate-nominee-director
  38. 1997-04-29
    ➖
    ACCESS NOMINEES LIMITED resigned
    corporate-nominee-director

Owner dependency

91/100
Critical — business is the founder

The 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 29 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — 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 candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 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 29 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 29 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
Mrs Linda Ann Reynolds
Individual · British · DOB 03/1959 · age 67
—25–50%25-50% voting06/04/2016
Mr Charles Edward Reynolds
Individual · British · DOB 05/1956 · age 70
—25–50%25-50% voting06/04/2016

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 →

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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
Incorporated1997-04-29
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate

Registered office

First Floor 234 Green Lane
London
SE9 3TL
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-12-30
Last: 2025-12-16

Officers (3 active · 4 resigned)

REYNOLDS, Linda Ann→
secretary · appointed 2004-06-01
View their other companies + combined net worth →
Active
REYNOLDS, Charles Edward→
director · ~70y · appointed 1997-04-29
View their other companies + combined net worth →
Active
REYNOLDS, Linda Ann→
director · ~67y · appointed 2014-04-01
View their other companies + combined net worth →
Active
REYNOLDS, Charles→
secretary · appointed 1997-04-29 · resigned 2006-04-28
Resigned
ACCESS REGISTRARS LIMITED→
corporate-nominee-secretary · appointed 1997-04-29 · resigned 1997-04-29
Resigned
REYNOLDS, Richard David→
director · ~70y · appointed 1997-04-29 · resigned 2004-06-18
Resigned
ACCESS NOMINEES LIMITED→
corporate-nominee-director · appointed 1997-04-29 · resigned 1997-04-29
Resigned

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

Mortgages & charges

6
Total charges
1
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property28/01/2025—
satisfied
Lancashire Mortgage Corporation
Lancashire Mortgage Corporation Limited
Debenture1 property23/05/200620/07/2017
satisfied
Lancashire Mortgage Corporation
Lancashire Mortgage Corporation Limited
Mortgage deed1 property23/05/200620/07/2017
satisfied
Lancashire Mortgage Corporation
Lancashire Mortgage Corporation Limited
Mortgage deed1 property23/05/200620/07/2017
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Mortgage deed1 property13/12/200409/10/2017
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property10/12/200420/07/2017
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (102 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-09