AFFORDABLE CORNISH HOMES LIMITED
🌳Matureactive
07199440 · ltd · incorporated 2010-03-23
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 8.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£18.0k
book net assets
Opportunity
74/100
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 bankable structure.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · oldest 8.1y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
47 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
74/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £18,014
Net assets shrinking
Down £6,523 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£18k
↓ 27% YoY
Current Assets
£34k
↑ 2.6% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-22 | 2024-03-22 |
|---|---|---|
| Total assets | £45.6k | £48.1k |
| Current assets | £33.7k | £32.8k |
| Net assets | £18.0k | £24.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
4
filings
- • 2 officers
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-02-10📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-02-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-05➕RICHARDS, Claire Elizabeth appointeddirector
- 2020-10-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-05-15🔒Charge registered #2Lender: Interbay Funding Limited
- 2018-05-15🔒Charge registered #1Lender: Interbay Funding Limited
- 2017-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-01-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-11-01➖ROWE, Susan resigneddirector
- 2013-03-20➖ROWE, Michael John resigneddirector
- 2013-03-20➖ROWE, Rebecca Ann resigneddirector
- 2013-03-01➕ROWE, Mark John appointeddirector
- 2012-09-07➖ROWE, Mark John resigneddirector
- 2012-05-01➕ROWE, Rebecca Ann appointeddirector
- 2012-05-01➕ROWE, Susan appointeddirector
- 2011-09-01➕ROWE, Mark John appointeddirector
- 2010-03-23🏢Company incorporatedAs AFFORDABLE CORNISH HOMES LIMITED
- 2010-03-23➕ROWE, Michael John appointeddirector
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 13 years.
- secondaryStable-but-static management: Company is 16 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mark John Rowe Individual · British · DOB 04/1975 · age 51 | — | — | sig. influencesignificant influence | 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 · TR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 121 PROPERTY LTD→ 15543219 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 4 BELMONT TERRACE LTD→ 06371002 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| A.E. STOKES PROPERTIES LIMITED→ 01392080 · est 1978 · no financials extracted | — | — | — | — | 47y | — | — |
| AC HOLDINGS (CORNWALL) LIMITED→ 11898739 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ACDH PROPERTY LIMITED→ 10257775 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACER PROPERTY ESTATE LTD→ 12441725 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACS LAND & PROPERTY LIMITED→ 11008292 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ADAM PRYOR LTD→ 14810717 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADANAC LTD→ 16166637 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ADDRY HOMES LTD→ 08877553 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| AG PROPERTIES CORNWALL LTD→ 14073191 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AGAR 1809 LIMITED→ 15666286 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2010-03-23
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
39 North Roskear Road
Camborne
Cornwall
TR14 8PX
Filing status
Accounts
Next due: 2026-12-22
Last made up to: 2025-03-22
Confirmation statement
Next due: 2027-02-05
Last: 2026-01-22
Officers (2 active · 4 resigned)
RICHARDS, Claire Elizabeth→
Activedirector · ~41y · appointed 2021-04-05
View their other companies + combined net worth →
ROWE, Mark John→
Activedirector · ~51y · appointed 2013-03-01
View their other companies + combined net worth →
ROWE, Mark John→
Resigneddirector · ~51y · appointed 2011-09-01 · resigned 2012-09-07
ROWE, Michael John→
Resigneddirector · ~82y · appointed 2010-03-23 · resigned 2013-03-20
ROWE, Rebecca Ann→
Resigneddirector · ~53y · appointed 2012-05-01 · resigned 2013-03-20
ROWE, Susan→
Resigneddirector · ~79y · appointed 2012-05-01 · resigned 2016-11-01
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | InterBay Interbay Funding Limited | A registered charge | 2 properties | 15/05/2018 | — | |
| outstanding | InterBay Interbay Funding Limited | A registered charge | 2 properties | 15/05/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (47 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-10
change-person-director-company-with-change-date
officers · CH01
2026-02-10
change-person-director-company-with-change-date
officers · CH01
2026-02-10
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-23
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-25
appoint-person-director-company-with-name-date
officers · AP01
2022-03-01
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-05
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-23