1 STANHOPE GARDENS LIMITED
🌳Matureactive
09606267 · ltd · incorporated 2015-05-23
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
£-557.5k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 72/100 (strong), bankability 67/100. 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: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
5 live charges · 3 lenders · oldest 10.5y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 10.5 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: 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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
5 officers (5 active, 5 linked, 4 with DOB)
86
Ownership & PSC
0 active PSC(s) of 4 total, 4 with control declared
90
Director network
31 connected companies via shared directors
90
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
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 £557,501
Cash YoY
+62%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£69k
↑ 62% YoY
Net Worth
-£558k
↑ 3.5% YoY
Current Assets
£78k
↑ 61% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £4.36M | £4.33M |
| Current assets | £77.9k | £48.5k |
| Cash | £68.6k | £42.4k |
| Debtors | £9.3k | £6.1k |
| Net assets | £-557.5k | £-577.5k |
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
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-05-06🔒Charge registered #5Lender: Investec Bank PLC
- 2020-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-07-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-07-09🔓Charge satisfied #2
- 2018-07-09🔓Charge satisfied #1
- 2018-06-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-06-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-06-11🔒Charge registered #4Lender: Butterfield Mortgages Limited
- 2018-06-11🔒Charge registered #3Lender: Butterfield Mortgages Limited
- 2018-06-07📄change-person-secretary-company-with-change-dateofficers · CH03
- 2018-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2018-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2015-11-18🔒Charge registered #2Lender: Aldermore Bank PLC
- 2015-11-18🔒Charge registered #1Lender: Aldermore Bank PLC
- 2015-09-03➕BUDGEN, Andrew Martin appointeddirector
- 2015-09-03➕CARR, Anthony Francis appointeddirector
- 2015-09-03➕LONSDALE, Nathan Houghton appointeddirector
- 2015-05-23🏢Company incorporatedAs 1 STANHOPE GARDENS LIMITED
- 2015-05-23➕HEYDON, Spencer appointedsecretary
- 2015-05-23➕HEYDON, Spencer Robert appointeddirector
Owner dependency
40/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
Succession & seller-readiness
35/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- 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.
🔒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 · AL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1 BROWNS LANE LIMITED→ 12111458 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 113-125 NORTHUMBERLAND PARK LIMITED→ 04502558 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| 114 STATION ROAD LTD→ 14533416 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 15 COLLEGE ROAD MANAGEMENT COMPANY LIMITED→ 06441399 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| 19 VILLA ROAD FLATS (LUTON) MANAGEMENT COMPANY LIMITED→ 02059986 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| 1922 HOMES LIMITED→ 15970677 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 20 LOWER DAGNALL STREET MANAGEMENT LIMITED→ 08781893 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| 21 UPPER LATTIMORE ROAD LIMITED→ 05379900 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| 214 HATFIELD ROAD LIMITED→ 13280050 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 214 HAVELOCK LTD→ 14366368 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 22 ALLEN ROAD (NEW) MANAGEMENT LTD→ 11839207 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| 22-24 Q STREET INVESTMENTS LIMITED→ 11546082 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2015-05-23
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
104 High Street
London Colney
St. Albans
Hertfordshire
AL2 1QL
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-07
Last: 2025-05-24
Officers (5 active · 0 resigned)
Active
BUDGEN, Andrew Martin→
Activedirector · ~54y · appointed 2015-09-03
View their other companies + combined net worth →
CARR, Anthony Francis→
Activedirector · ~57y · appointed 2015-09-03
View their other companies + combined net worth →
HEYDON, Spencer Robert→
Activedirector · ~52y · appointed 2015-05-23
View their other companies + combined net worth →
LONSDALE, Nathan Houghton→
Activedirector · ~55y · appointed 2015-09-03
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
3
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Investec Bank Investec Bank PLC | A registered charge | 1 property | 06/05/2020 | — | |
| outstanding | Butterfield Mortgages Butterfield Mortgages Limited | A registered charge | 1 property | 11/06/2018 | — | |
| outstanding | Butterfield Mortgages Butterfield Mortgages Limited | A registered charge | — | 11/06/2018 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | — | 18/11/2015 | 09/07/2018 | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 18/11/2015 | 09/07/2018 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (43 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-10
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-18
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-30
confirmation-statement-with-updates
confirmation-statement · CS01
2020-05-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-05-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-28
confirmation-statement-with-updates
confirmation-statement · CS01
2019-05-29