RIVERSIDE HOUSE PROPCO LIMITED
- · Oldest live charge 9.8y old — refinance window within 12 months
Opportunity 75/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 9.8y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £1.26M | £443.8k |
| Current assets | £237.9k | £41.2k |
| Cash | £208.1k | £3.2k |
| Debtors | £29.7k | £37.9k |
| Net assets | £646.4k | £226.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
Corporate timeline (28 events)Click to expand
- 2025-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-26📄memorandum-articlesincorporation · MA
- 2024-05-20📄resolutionresolution · RESOLUTIONS
- 2024-05-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-10🔓Charge satisfied #2
- 2024-05-10🔓Charge satisfied #1
- 2024-05-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-30🔒Charge registered #3Lender: Semper Eximius Management Limited
- 2024-04-29➕CHIU, Hedda Wing Kit appointeddirector
- 2024-04-29➕LUMB, Julie Elizabeth appointeddirector
- 2023-05-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-13📄gazette-filings-brought-up-to-dategazette · DISS40
- 2020-12-29📄gazette-notice-compulsorygazette · GAZ1
- 2019-08-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-08-03🔒Charge registered #2Lender: Bank of Scotland PLC
- 2016-08-03🔒Charge registered #1Lender: Bank of Scotland PLC
- 2016-07-04🏢Company incorporatedAs RIVERSIDE HOUSE PROPCO LIMITED
- 2016-07-04➕LUMB, Tony appointeddirector
- 2016-07-04➕SMITH, Philip Antony appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Riverside House (Morpeth) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Riverside House (Morpeth) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 04/07/2016 |
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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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 →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 (4 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Semper Eximius Management Semper Eximius Management Limited | A registered charge | 1 property | 30/04/2024 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/08/2016 | 10/05/2024 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/08/2016 | 10/05/2024 |