1ST CLASS STUDENT HOMES LTD
🌳Matureactive
07411110 · ltd · incorporated 2010-10-18
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
£1.74M
book net assets
Opportunity
71/100
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 acceptable with review structure.
Opportunity 71/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 10 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
34 live charges · 10 lenders · oldest 13.2y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 13.2 years old — likely at or near maturity.
- · 10 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
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
34 charges (34/34 with lender, 34/34 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
75 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
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
82
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 £1,742,567
Cash YoY
-25%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£33k
↓ 25% YoY
Net Worth
£1.7m
~ YoY
Current Assets
£659k
↑ 7.1% YoY
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 |
|---|---|---|
| Total assets | £5.06M | £5.02M |
| Current assets | £659.3k | £615.7k |
| Cash | £33.2k | £44.0k |
| Debtors | £626.1k | £571.7k |
| Net assets | £1.74M | £1.73M |
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 (60 events)Click to expand
- 2025-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-01➕EARP, Louise appointeddirector
- 2022-07-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-07-29🔒Charge registered #34Lender: Paragon Bank PLC
- 2022-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-05-30🔓Charge satisfied #33
- 2022-03-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-24🔒Charge registered #33Lender: Paratus Amc Limited
- 2021-10-08📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2021-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-03🔒Charge registered #32Lender: Paragon Bank PLC
- 2021-05-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-25🔒Charge registered #28Lender: Paragon Bank PLC
- 2021-05-21🔒Charge registered #31Lender: Paragon Bank PLC
- 2021-05-21🔒Charge registered #30Lender: Paragon Bank PLC
- 2021-05-21🔒Charge registered #29Lender: Paragon Bank PLC
- 2021-04-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-04-16🔒Charge registered #27Lender: Paragon Bank PLC
- 2020-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-09🔒Charge registered #26Lender: Paragon Bank PLC
- 2018-09-24🔒Charge registered #25Lender: Paragon Bank PLC
- 2018-03-14🔒Charge registered #24Lender: Paragon Bank PLC
- 2018-03-14🔒Charge registered #23Lender: Paragon Bank PLC
- 2017-10-06🔒Charge registered #22Lender: Charter Court Financial Services Limited
- 2017-06-09🔒Charge registered #21Lender: Charter Court Financial Services Limited
- 2017-05-26🔒Charge registered #20Lender: One Savings Bank PLC
- 2017-05-26🔒Charge registered #19Lender: One Savings Bank PLC
- 2017-02-23🔒Charge registered #18Lender: Charter Court Financial Services Limited
- 2017-02-13🔒Charge registered #17Lender: Ascent Funding Limited
- 2017-02-07🔒Charge registered #16Lender: Svenska Handelsbanken Ab (Publ)
- 2017-02-07🔒Charge registered #15Lender: Svenska Handelsbanken Ab (Publ)
- 2017-02-07🔒Charge registered #14Lender: Svenska Handelsbanken Ab (Publ)
- 2016-07-22🔒Charge registered #13Lender: Onesavings Bank PLC
- 2016-05-23🔒Charge registered #12Lender: National Westminster Bank PLC
- 2016-05-20🔒Charge registered #11Lender: One Savings Bank PLC
- 2016-05-10🔒Charge registered #10Lender: National Westminster Bank PLC
- 2016-01-29🔒Charge registered #9Lender: Onesavings Bank PLC
- 2015-10-16🔒Charge registered #8Lender: Aldermore Bank PLC
- 2015-10-16🔒Charge registered #7Lender: Aldermore Bank PLC
- 2015-10-05🔒Charge registered #6Lender: Affirmative Finance Limited
- 2015-02-19🔒Charge registered #5Lender: Affirmative Finance Limited
Showing most recent 50 of 60 events
Owner dependency
66/100
High — earn-out structure requiredMaterial 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 15 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
1 low33 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alan Paul Earp Individual · British · DOB 02/1973 · age 53 | — | — | 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 · B postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1.2.1 HOUSES LIMITED→ 13541214 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 105 WHICHMORE PROPERTIES LIMITED→ 11594592 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 170TE ASKL & SONS LTD→ 17077310 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 1ST KEY LTD→ 16696047 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 2 BROTHERS INVESTMENT LTD→ 15858491 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 2 HIGH LTD→ 15476257 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 220 PROPERTY LIMITED→ 16733111 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 24 LIVING LIMITED→ 16657645 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 24 MARINE DEVELOPMENT 2 LIMITED→ 15707393 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 24 MARINE DEVELOPMENT LIMITED→ 15480279 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 24 MARINE LIMITED→ 15429998 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 24-7 PROPERTY GROUP LTD→ 12875467 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2010-10-18
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
4 Clews Road
Redditch
Worcestershire
B98 7ST
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-11-01
Last: 2025-10-18
Officers (2 active · 2 resigned)
EARP, Alan Paul→
Activedirector · ~53y · appointed 2011-07-08
View their other companies + combined net worth →
EARP, Louise→
Activedirector · ~52y · appointed 2023-03-01
View their other companies + combined net worth →
BEDFORD, Graham→
Resigneddirector · ~78y · appointed 2010-10-18 · resigned 2011-07-08
COX, Darren Raymond→
Resigneddirector · ~60y · appointed 2010-10-18 · resigned 2011-07-08
Click a director name to see their full track record across all companies.
Mortgages & charges
34
Total charges
33
Outstanding
9
Active lenders
Status:Lender:34 of 34 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 29/07/2022 | — | |
| satisfied | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 24/03/2022 | 30/05/2022 | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 03/06/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 25/05/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 21/05/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 21/05/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 21/05/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 16/04/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 09/10/2018 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/09/2018 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 14/03/2018 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 14/03/2018 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 06/10/2017 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 09/06/2017 | — | |
| outstanding | Kent Reliance / OSB One Savings Bank PLC | A registered charge | 1 property | 26/05/2017 | — | |
| outstanding | Kent Reliance / OSB One Savings Bank PLC | A registered charge | 1 property | 26/05/2017 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 23/02/2017 | — | |
| outstanding | Ascent Funding Ascent Funding Limited | A registered charge | 1 property | 13/02/2017 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 07/02/2017 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 07/02/2017 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 07/02/2017 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 22/07/2016 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 23/05/2016 | — | |
| outstanding | Kent Reliance / OSB One Savings Bank PLC | A registered charge | 1 property | 20/05/2016 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 10/05/2016 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 29/01/2016 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 16/10/2015 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | — | 16/10/2015 | — | |
| outstanding | Affirmative Finance Affirmative Finance Limited | A registered charge | 1 property | 05/10/2015 | — | |
| outstanding | Affirmative Finance Affirmative Finance Limited | A registered charge | 1 property | 19/02/2015 | — | |
| outstanding | Affirmative Finance Affirmative Finance Limited | A registered charge | 1 property | 19/02/2015 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 03/12/2014 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 04/04/2014 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | Mortgage | 1 property | 28/03/2013 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (75 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-01
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-06
appoint-person-director-company-with-name-date
officers · AP01
2023-03-02
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-07-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-21
mortgage-satisfy-charge-full
mortgage · MR04
2022-05-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-25
confirmation-statement-with-updates
confirmation-statement · CS01
2021-10-21
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2021-10-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-30