46 PILGRIM STREET LIMITED
🌳Matureactive
08044698 · ltd · incorporated 2012-04-25
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 10.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 85/100. Strong seller-intent signal (65/100, director aged 58). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · oldest 10.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
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
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
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 | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 200 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2026-04-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-09-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-10🔓Charge satisfied #3
- 2023-05-10🔓Charge satisfied #1
- 2023-05-10🔓Charge satisfied #2
- 2022-08-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-05-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-20🔒Charge registered #3Lender: Lloyds Bank PLC
- 2015-08-21🔒Charge registered #1Lender: Lloyds Bank PLC
- 2015-08-19🔒Charge registered #2Lender: Lloyds Bank PLC
- 2012-07-24➕HUBBARD, Monica appointedsecretary
- 2012-07-24➕HUBBARD, James Richard appointeddirector
- 2012-07-24➕HUBBARD, Monica appointeddirector
- 2012-07-24➖BRABNERS SECRETARIES LIMITED resignedcorporate-secretary
- 2012-07-24➖RYAN, Adam resigneddirector
- 2012-07-24➖BRABNERS DIRECTORS LIMITED resignedcorporate-director
- 2012-04-25🏢Company incorporatedAs 46 PILGRIM STREET LIMITED
- 2012-04-25➕BRABNERS SECRETARIES LIMITED appointedcorporate-secretary
- 2012-04-25➕RYAN, Adam appointeddirector
- 2012-04-25➕BRABNERS DIRECTORS LIMITED appointedcorporate-director
Owner dependency
74/100
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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +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
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Richard Hubbard Individual · British · DOB 12/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Monica Hubbard Individual · British · DOB 04/1968 · age 58 | 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
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|---|---|---|---|---|---|---|---|
| 126 LAVENDER HILL LTD→ 09327526 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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| 34 HAMILTON STREET MANAGEMENT LIMITED→ 11708612 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 367 PROPERTIES LTD→ 16887036 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| 48 CABLE ROAD MANAGEMENT LIMITED→ 06040362 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| 4TIFY PROPERTIES LTD→ 15843556 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 5 GROSVENOR 12B LIMITED→ 16260925 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 51TRINITYROAD LTD→ 16268336 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 57 BIDSTON ROAD MANAGEMENT COMPANY LIMITED→ 09657397 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2012-04-25
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
255 Poulton Road
Wallasey
CH44 4BT
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-05-09
Last: 2026-04-25
Officers (3 active · 3 resigned)
Active
HUBBARD, James Richard→
Activedirector · ~53y · appointed 2012-07-24
View their other companies + combined net worth →
HUBBARD, Monica→
Activedirector · ~58y · appointed 2012-07-24
View their other companies + combined net worth →
BRABNERS SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2012-04-25 · resigned 2012-07-24
RYAN, Adam→
Resigneddirector · ~55y · appointed 2012-04-25 · resigned 2012-07-24
BRABNERS DIRECTORS LIMITED→
Resignedcorporate-director · appointed 2012-04-25 · resigned 2012-07-24
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 20/10/2016 | 10/05/2023 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 21/08/2015 | 10/05/2023 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 19/08/2015 | 10/05/2023 |
Recent filings (49 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-01
change-person-director-company-with-change-date
officers · CH01
2025-09-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-19
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-07
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-10
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-10
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-06
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-06