4-6 ST EDMUNDS TERRACE LIMITED
🌳Matureactive
09033334 · ltd · incorporated 2014-05-09
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 May 2025
Net worth
£-17.35M
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 78/100 (strong), bankability 77/100. Strong seller-intent signal (65/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
6 live charges · 5 lenders · oldest 11.4y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 11.4 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (84/100)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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
56 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £17,346,964
Cash draining
Cash down 74% YoY
Cash YoY
-74%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£14k
↓ 74% YoY
Net Worth
-£17m
↑ 57% YoY
Current Assets
£47k
↓ 25% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-30 | 2024-05-30 |
|---|---|---|
| Total assets | £2.0k | £-24.33M |
| Current assets | £46.9k | £62.6k |
| Cash | £13.6k | £52.8k |
| Debtors | £33.3k | £9.8k |
| Net assets | £-17.35M | £-40.55M |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-14🔓Charge satisfied #6
- 2024-07-30📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-16🔓Charge satisfied #5
- 2024-01-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-01-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-10📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-12-10📄gazette-filings-brought-up-to-dategazette · DISS40
- 2020-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-10📄gazette-notice-compulsorygazette · GAZ1
- 2020-02-28📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2019-07-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-08-02🔓Charge satisfied #4
- 2017-07-31🔒Charge registered #6Lender: Mayfair Capital Residential 2 LLP
- 2017-06-07🔓Charge satisfied #3
- 2017-06-07🔓Charge satisfied #2
- 2017-06-07🔓Charge satisfied #1
- 2017-06-02🔒Charge registered #5Lender: Oaknorth Bank Limited
- 2016-07-01🔒Charge registered #4Lender: Harrier Financial Services Limited
- 2015-04-30🔒Charge registered #3Lender: Titlestone Real Estate Limited
- 2015-01-21🔒Charge registered #2Lender: Titlestone Real Estate Limited
- 2014-12-17🔒Charge registered #1Lender: Ttitlestone Real Estate Limited
- 2014-12-16➕ORLY, Tal appointeddirector
- 2014-05-09🏢Company incorporatedAs 4-6 ST EDMUNDS TERRACE LIMITED
- 2014-05-09➕LINTON, Gary Mark appointeddirector
Owner dependency
71/100
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 63 — approaching natural succession window.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. 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 12 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.
Group structure
Cogress Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Cogress Ltd
Corporate parent · holds 75-100% shares
⬇
4-6 ST EDMUNDS TERRACE LIMITED
This company · 09033334
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Cogress Ltd Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 05/02/2019 |
1 historic (ceased) PSC
- Cogress St John's Wood 1 Limitedceased 05/02/2019· 75-100% shares · 75-100% voting
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 · Construction · NW postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1C PROPERTY DEVELOPMENTS LIMITED→ 15945888 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 1SERVCO LTD→ 13696853 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 2123 THE BRIDGE LTD→ 16069094 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 24/7 CITY PLUMBING LIMITED→ 16976595 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 2GM CONSTRUCTION LTD→ 11389306 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 360 MILIEU LTD→ 13153521 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 39 FITZJOHNS AVENUE LIMITED→ 10658465 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| 39-51 HIGHGATE ROAD DEVELOPMENT LIMITED→ 09082296 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| 3SIXTY RIGGING & LIFTING LTD→ 14187651 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 4 BROTHERS BRICKWORK LIMITED→ 15172268 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 40 CONDUIT STREET LIMITED→ 16872044 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 45 DERBYSHIRE STREET LTD→ 09359773 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2014-05-09
Jurisdictionengland-wales
Primary SIC41202 — Construction of domestic buildings
Registered office
The Maple Building
39/51 Highgate Road
London
NW5 1RT
United Kingdom
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-30
Confirmation statement
Next due: 2026-05-23
Last: 2025-05-09
Officers (2 active · 0 resigned)
LINTON, Gary Mark→
Activedirector · ~41y · appointed 2014-05-09
View their other companies + combined net worth →
Active
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
0
Outstanding
0
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Mayfair Capital Residential 2 Mayfair Capital Residential 2 LLP | A registered charge | 2 properties | 31/07/2017 | 14/10/2024 | |
| satisfied | OakNorth Oaknorth Bank Limited | A registered charge | 2 properties | 02/06/2017 | 16/01/2024 | |
| satisfied | Harrier Financial Services Harrier Financial Services Limited | A registered charge | 1 property | 01/07/2016 | 02/08/2017 | |
| satisfied | Titlestone Real Estate Titlestone Real Estate Limited | A registered charge | 1 property | 30/04/2015 | 07/06/2017 | |
| satisfied | Titlestone Real Estate Titlestone Real Estate Limited | A registered charge | — | 21/01/2015 | 07/06/2017 | |
| satisfied | Ttitlestone Real Estate Ttitlestone Real Estate Limited | A registered charge | 1 property | 17/12/2014 | 07/06/2017 |
Recent filings (56 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-13
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-14
change-person-director-company-with-change-date
officers · CH01
2024-07-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-01-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-27