ABBEY BUILDERS CORNWALL LIMITED

🌳Matureactive
04296400 · ltd · incorporated 2001-10-01
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 Oct 2025
Net worth
£44.3k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 74-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (83/100, director aged 74). Share purchase looks the cleaner deal structure. 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 (65/100).

🏦

Refinance opportunity

5 live charges · 3 lenders · oldest 23.8y

35/100
too messy

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

  • · Oldest live charge is 23.8 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
65 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 £44,273
Net assets shrinking
Down £51,062 YoY
Cash YoY
-13%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£140k
↓ 13% YoY
Net Worth
£44k
↓ 54% YoY
Current Assets
£144k
↓ 12% YoY
Current Liabilities
—
£0£33k£66k£99k£132k£164kOct 2024Oct 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-10-312024-10-31
Total assets£509.1k£575.6k
Current assets£144.2k£164.4k
Cash£139.9k£160.0k
Debtors£4.4k£4.4k
Net assets£44.3k£95.3k

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
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-12-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2022-12-12
    🔒
    Charge registered #5
    Lender: Shawbrook Bank Limited
  7. 2022-02-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-03-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-08-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2019-07-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-07-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2019-07-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2019-07-10
    🔒
    Charge registered #4
    Lender: Cambridge & Counties Bank Limited
  14. 2019-07-10
    🔒
    Charge registered #3
    Lender: Cambridge & Counties Bank Limited
  15. 2019-07-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2019-07-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2019-07-04
    🔓
    Charge satisfied #2
  18. 2019-07-04
    🔓
    Charge satisfied #1
  19. 2018-03-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2017-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2002-10-18
    🔒
    Charge registered #2
    Lender: Hsbc Bank PLC
  22. 2002-09-03
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  23. 2001-10-01
    🏢
    Company incorporated
    As ABBEY BUILDERS CORNWALL LIMITED
  24. 2001-10-01
    ➕
    CHAPMAN, John Phoenix appointed
    secretary
  25. 2001-10-01
    ➕
    CHAPMAN, John Phoenix appointed
    director
  26. 2001-10-01
    ➕
    CHAPMAN, Maureen Anne appointed
    director
  27. 2001-10-01
    ➕
    TEMPLE SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  28. 2001-10-01
    ➖
    TEMPLE SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  29. 2001-10-01
    ➕
    COMPANY DIRECTORS LIMITED appointed
    corporate-nominee-director
  30. 2001-10-01
    ➖
    COMPANY DIRECTORS 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 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 74 — 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 74 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 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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 Maureen Anne Chapman
Individual · British · DOB 10/1958 · age 68
25–50%
—25-50% shares01/10/2016
Mr John Phoenix Chapman
Individual · British · DOB 12/1952 · age 74
25–50%
—25-50% shares01/10/2016

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

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
Incorporated2001-10-01
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

25 Lemon Street
Truro
Cornwall
TR1 2LS

Filing status

Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-10-15
Last: 2025-10-01

Officers (3 active · 2 resigned)

CHAPMAN, John Phoenix→
secretary · appointed 2001-10-01
View their other companies + combined net worth →
Active
CHAPMAN, John Phoenix→
director · ~74y · appointed 2001-10-01
View their other companies + combined net worth →
Active
CHAPMAN, Maureen Anne→
director · ~68y · appointed 2001-10-01
View their other companies + combined net worth →
Active
TEMPLE SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2001-10-01 · resigned 2001-10-01
Resigned
COMPANY DIRECTORS LIMITED→
corporate-nominee-director · appointed 2001-10-01 · resigned 2001-10-01
Resigned

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

Mortgages & charges

5
Total charges
3
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property12/12/2022—
outstanding
Cambridge & Counties
Cambridge & Counties Bank Limited
A registered charge1 property10/07/2019—
outstanding
Cambridge & Counties
Cambridge & Counties Bank Limited
A registered charge1 property10/07/2019—
satisfied
HSBC
Hsbc Bank PLC
Legal mortgage1 property18/10/200204/07/2019
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property03/09/200204/07/2019
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (65 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-12
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-20