4 PEBBLES LIMITED

🌳Matureactive

08993315 · ltd · incorporated 2014-04-11

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 8.8y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Apr 2025

Net worth

—

book net assets

Opportunity

80/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Buying and selling of own real estate

Sector: Real estate

Investor take

Pursue

Strong opportunity: property-backed borrower with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 8.8y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 8.8 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

6 connected companies via shared directors

Filing history

26 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-04-30	2024-04-30
Average employees	0	0

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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (20 events)Click to expand

2025-12-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-11-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-01-04
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-07-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2017-06-30
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2017-06-23
🔒
Charge registered #2
Lender: Svenska Handelsbanken Ab (Publ)
2017-06-23
🔒
Charge registered #1
Lender: Svenska Handelsbanken Ab (Publ)
2016-10-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-05-05
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-11-24
📄
accounts-with-accounts-type-dormant
accounts · AA
2015-05-07
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-04-11
🏢
Company incorporated
As 4 PEBBLES LIMITED
2014-04-11
➕
SAUNDERS, Claire Angela Louise appointed
director
2014-04-11
➕
SAUNDERS, Jonathan Harvey appointed
director

Owner dependency

79/100

High — earn-out structure required

Material 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 59 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

59/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondary12+ year tenure: Director in role 12 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No 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 Jonathan Harvey Saunders Individual · British · DOB 07/1967 · age 59	—	—	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 · DY postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
106 BILSTON STREET LTD→ 14797104 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
10KC LIMITED→ 13195959 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
1219 HOUSING LIMITED→ 15120060 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
138 CR LTD→ 14379583 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
1REDCUBE PROPERTIES LTD→ 12968621 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
20 JAMES ROAD TYSELEY MANAGEMENT COMPANY LIMITED→ 02282355 · est 1988 · no financials extracted	—	—	—	—	37y	—	—
3A PROPERTY LETTINGS LTD→ 16502204 · est 2025 · no financials extracted	—	—	—	—	—	—	—
3D PROPERTIES (MIDLANDS) LTD→ 01911860 · est 1985 · no financials extracted	—	—	—	—	40y	—	—
3M PROPERTY COMPANY MIDLANDS LTD→ 15855748 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
3RPM LIMITED→ 06675831 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
4/5 LOWER MILL STREET LTD→ 14670400 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
400 THUMBS UP LTD→ 16422564 · est 2025 · no financials extracted	—	—	—	—	—	—	—

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

Incorporated2014-04-11

Jurisdictionengland-wales

Primary SIC68100 — Buying and selling of own real estate

Registered office

Ashford House

95 Dixons Green

Dudley

West Midlands

DY2 7DJ

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2027-04-25

Last: 2026-04-11

Officers (2 active · 0 resigned)

SAUNDERS, Claire Angela Louise→

director · ~59y · appointed 2014-04-11

View their other companies + combined net worth →

Active

SAUNDERS, Jonathan Harvey→

director · ~59y · appointed 2014-04-11

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Svenska Handelsbanken Ab (Publ)	A registered charge	—	23/06/2017	—
	outstanding	Svenska Handelsbanken Ab (Publ)	A registered charge	1 property	23/06/2017	—

Click column headers to sort. Use filters above to narrow by status and lender.