ELEGANT HOMES (CAVERSHAM) LIMITED
Opportunity 60/100 (worth a look), bankability 62/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
7 live charges · 3 lenders · oldest 12.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 12.8 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 |
|---|---|
| Average employees | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 gazette
- • 2 gazette
- • 1 dissolution
Corporate timeline (34 events)Click to expand
- 2026-04-14📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2026-04-14🏁Company dissolved
- 2026-01-27📄gazette-notice-voluntarygazette · GAZ1(A)
- 2026-01-15📄dissolution-application-strike-off-companydissolution · DS01
- 2025-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-17📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-24📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-18📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-06-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-31🔒Charge registered #7Lender: Paragon Development Finance Limited
- 2022-05-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-05-13🔓Charge satisfied #3
- 2022-02-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-11-03🔓Charge satisfied #6
- 2020-02-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-05-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-05-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2018-04-24🔒Charge registered #6Lender: Lloyds Bank PLC
- 2016-02-29🔒Charge registered #5Lender: Lloyds Bank PLC
- 2015-04-01🔓Charge satisfied #2
- 2015-04-01🔓Charge satisfied #1
- 2015-03-24🔒Charge registered #4Lender: Lloyds Bank PLC
- 2015-03-24🔒Charge registered #3Lender: Lloyds Bank PLC
- 2013-10-03🔒Charge registered #2Lender: Svenska Handelsbanken Ab (Publ)
- 2013-08-12🔒Charge registered #1Lender: Svenska Handelsbanken Ab (Publ)
- 2013-04-11🏢Company incorporatedAs ELEGANT HOMES (CAVERSHAM) LIMITED
- 2013-04-11➕NEVILLE, Peter Stephen appointeddirector
- 2013-04-11➕TANNER, Shaun appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 high · 1 med ·Company has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2026-04-14
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
2 corporate shareholders identified. Group structure is distributed.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
S T Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 16/04/2019 |
Elegant Ppm Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 16/04/2019 |
2 historic (ceased) PSCs
- Mr Peter Stephen Nevilleceased 16/04/2019· 25-50% shares · 25-50% voting
- Mr Shaun Tannerceased 16/04/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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9 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 →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
Registered office
Filing status
Officers (0 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Development Finance Limited | A registered charge | — | 31/05/2022 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 24/04/2018 | 03/11/2020 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 29/02/2016 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 24/03/2015 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 24/03/2015 | 13/05/2022 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 03/10/2013 | 01/04/2015 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 12/08/2013 | 01/04/2015 |