AMEN HOUSE PROPERTIES LIMITED

🌳Matureactive
04999906 · ltd · incorporated 2003-12-19
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
£324.6k
book net assets
Opportunity
75/100
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
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -99% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 22.4y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 22.4 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Cashflow trend is negative — lender view likely cautious.

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
4 connected companies via shared directors
57
Filing history
72 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
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
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 102
Positive net assets
Net assets £324,552
Very low cash
Cash position: £18
Cash draining
Cash down 99% YoY
Cash YoY
-99%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£18
↓ 99% YoY
Net Worth
£325k
~ YoY
Current Assets
£18
↓ 99% YoY
Current Liabilities
—
£0£65k£130k£195k£260k£325kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£390.6k£390.4k
Current assets£18£3.3k
Cash£18£3.3k
Net assets£324.6k£322.0k

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
0
filings
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-11-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-11-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-07-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-08-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-10-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2017-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2016-12-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-01-26
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2015-12-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-01-14
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-01-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2015-01-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2008-11-28
    🔓
    Charge satisfied #2
  17. 2008-11-28
    🔓
    Charge satisfied #1
  18. 2008-11-06
    🔒
    Charge registered #5
    Lender: Hsbc Bank PLC
  19. 2007-05-23
    🔒
    Charge registered #4
    Lender: Hsbc Bank PLC
  20. 2007-01-31
    🔒
    Charge registered #3
    Lender: Hsbc Bank PLC
  21. 2004-06-17
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  22. 2004-02-10
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  23. 2003-12-26
    ➕
    DOW, James Richard appointed
    secretary
  24. 2003-12-26
    ➕
    DOW, James Richard appointed
    director
  25. 2003-12-26
    ➕
    DOW, Julie Ann appointed
    director
  26. 2003-12-26
    ➖
    C & M SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  27. 2003-12-26
    ➖
    C & M REGISTRARS LIMITED resigned
    corporate-nominee-director
  28. 2003-12-19
    🏢
    Company incorporated
    As AMEN HOUSE PROPERTIES LIMITED
  29. 2003-12-19
    ➕
    C & M SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  30. 2003-12-19
    ➕
    C & M REGISTRARS LIMITED appointed
    corporate-nominee-director

Owner dependency

68/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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 22 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

66/100
Strong succession signal

Multiple 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.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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
Mr James Richard Dow
Individual · British · DOB 01/1971 · age 55
25–50%
—25-50% shares06/04/2016
Mrs Julie Ann Dow
Individual · British · DOB 03/1970 · age 56
25–50%
—25-50% shares06/04/2016

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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15869091 · est 2024 · no financials extracted
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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
Incorporated2003-12-19
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

The Forge
Amen House
Bedale
North Yorkshire
DL8 1XA

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-28
Last: 2025-09-14

Officers (3 active · 2 resigned)

DOW, James Richard→
secretary · appointed 2003-12-26
View their other companies + combined net worth →
Active
DOW, James Richard→
director · ~55y · appointed 2003-12-26
View their other companies + combined net worth →
Active
DOW, Julie Ann→
director · ~56y · appointed 2003-12-26
View their other companies + combined net worth →
Active
C & M SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2003-12-19 · resigned 2003-12-26
Resigned
C & M REGISTRARS LIMITED→
corporate-nominee-director · appointed 2003-12-19 · resigned 2003-12-26
Resigned

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

Mortgages & charges

5
Total charges
3
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property06/11/2008—
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property23/05/2007—
outstanding
HSBC
Hsbc Bank PLC
Debenture1 property31/01/2007—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property17/06/200428/11/2008
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Debenture1 property10/02/200428/11/2008
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (72 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-19
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-06
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-07
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-03
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-21
confirmation-statement-with-updates
confirmation-statement · CS01
2020-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-08-18
confirmation-statement-with-updates
confirmation-statement · CS01
2019-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-10-11
confirmation-statement-with-updates
confirmation-statement · CS01
2019-02-13