ATM RENOVATIONS & LETTINGS LIMITED
🌳Matureactive
07040248 · ltd · incorporated 2009-10-14
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 2024
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 61-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
10 live charges · 5 lenders · oldest 14.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 14.0 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)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
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 200 | 200 |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2025-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-03🔒Charge registered #10Lender: Hayward Pensions Limited
- 2024-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-10📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-07-09📄gazette-notice-compulsorygazette · GAZ1
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-20🔒Charge registered #9Lender: Fleet Mortgages Limited
- 2022-12-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-12-30🔓Charge satisfied #3
- 2022-10-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-10-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-26🔓Charge satisfied #1
- 2022-10-25🔒Charge registered #8Lender: Fleet Mortgages Limited
- 2022-10-25🔒Charge registered #7Lender: Fleet Mortgages Limited
- 2022-10-25🔒Charge registered #6Lender: Fleet Mortgages Limited
- 2022-10-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-19🔒Charge registered #5Lender: Fleet Mortgages Limited
- 2022-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-18🔒Charge registered #4Lender: National Westminster Bank PLC
- 2021-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-12-29🔒Charge registered #3Lender: Aldermore Bank PLC
- 2013-06-11🔒Charge registered #2Lender: Onesavings Bank PLC
- 2012-09-01➕MORTLOCK, Aneta Ewa appointeddirector
- 2012-07-02➖MORTLOCK, Aneta Ewa resigneddirector
- 2012-06-22🔒Charge registered #1Lender: Aldermore Bank PLC
- 2009-10-14🏢Company incorporatedAs ATM RENOVATIONS & LETTINGS LIMITED
- 2009-10-14➕MORTLOCK, Terry Paul appointeddirector
- 2009-10-14➕MORTLOCK, Aneta Ewa appointeddirector
Owner dependency
84/100
Critical — business is the founderThe 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 17 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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 · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
8 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Aneta Ewa Mortlock Individual · Polish · DOB 08/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Terry Paul Mortlock Individual · British · DOB 01/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 →Similar companies
Active · Property · LD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A.AND H.F.(PONTYPRIDD)LIMITED→ 00797765 · est 1964 · no financials extracted | — | — | — | — | 62y | — | — |
| ABB INVESTMENTS LTD→ 15309801 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AW 2001 LIMITED→ 05243357 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| BESSANT35 LTD→ 13879579 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| BLAENYCWM ESTATE LIMITED→ 13412031 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BURGESS LAND LTD→ 09995881 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| BWLCH LEISURE LIMITED→ 16678708 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| C.G.R.PROPERTIES LIMITED→ 01749457 · est 1983 · no financials extracted | — | — | — | — | 42y | — | — |
| CAPEL Y MAEN LTD→ 16006065 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CARLYON MANAGEMENT (LLANDRINDOD) LIMITED→ 08140781 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CASTLE INN MANAGEMENT COMPANY LIMITED→ 05370301 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| CASTLE WYE LIMITED→ 10701150 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2009-10-14
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Newton Villa
19 Alexandra Road
Brecon
Powys
LD3 7PB
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-05-03
Last: 2026-04-19
Officers (2 active · 1 resigned)
MORTLOCK, Aneta Ewa→
Activedirector · ~53y · appointed 2012-09-01
View their other companies + combined net worth →
MORTLOCK, Terry Paul→
Activedirector · ~61y · appointed 2009-10-14
View their other companies + combined net worth →
MORTLOCK, Aneta Ewa→
Resigneddirector · ~53y · appointed 2009-10-14 · resigned 2012-07-02
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
8
Outstanding
4
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Hayward Pensions / Terry Mortlock Hayward Pensions Limited / Terry Mortlock | A registered charge | 1 property | 03/02/2025 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 20/03/2023 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 25/10/2022 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 25/10/2022 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 25/10/2022 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 19/10/2022 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 18/05/2022 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 29/12/2015 | 30/12/2022 | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 11/06/2013 | — | |
| satisfied | Aldermore Aldermore Bank PLC | Mortgage | 1 property | 22/06/2012 | 26/10/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (49 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-31
gazette-filings-brought-up-to-date
gazette · DISS40
2024-07-10
gazette-notice-compulsory
gazette · GAZ1
2024-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-23
mortgage-satisfy-charge-full
mortgage · MR04
2022-12-30
mortgage-satisfy-charge-full
mortgage · MR04
2022-10-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-26