5 STAR LIVING LIMITED
🏛️Establishedactive
10364196 · ltd · incorporated 2016-09-07
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£-92.7k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -99% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 8.3y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £92,683
Cash draining
Cash down 99% YoY
Cash YoY
-99%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£384
↓ 99% YoY
Net Worth
-£93k
↑ 5.6% YoY
Current Assets
£650
↓ 98% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Total assets | £367.2k | £188.1k |
| Current assets | £650 | £26.9k |
| Cash | £384 | £25.8k |
| Debtors | £266 | £1.1k |
| Net assets | £-92.7k | £-98.2k |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-01-31📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-31📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-08-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-01-31🔒Charge registered #2Lender: Paragon Bank PLC
- 2018-06-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-02-12🔒Charge registered #1Lender: Onesavings Bank PLC
- 2016-09-07🏢Company incorporatedAs 5 STAR LIVING LIMITED
- 2016-09-07➕GERRARD, Kathryn Anne appointeddirector
- 2016-09-07➕GERRARD, Philip Martin appointeddirector
Owner dependency
79/100
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 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Philip Martin Gerrard Individual · British · DOB 04/1964 · age 62 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 07/09/2016 |
Mrs Kathryn Anne Gerrard Individual · British · DOB 02/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 07/09/2016 |
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 · LS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 27DST LIMITED→ 16247410 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 3M PROPERT LIMITED→ 14013105 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 3ST PROPERTY LTD→ 09933115 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| 4 PARK VILLAGE WEST LIMITED→ 15955774 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 44 CAPITAL LIMITED→ 13256056 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 46 ESTATES LIMITED→ 11964687 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 467 STREET LANE FREEHOLD LTD→ 15932712 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 4812 MANAGEMENT LTD→ 12320308 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 4D CAPITAL BIDCO (11) LIMITED→ 16710850 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 52 HARWOOD ROAD LIMITED→ 05284444 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| 555 ALDERLEY EDGE LIMITED→ 13809189 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 555 HARROGATE LIMITED→ 13809251 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2016-09-07
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
80 Southway
Guiseley
Leeds
LS20 8JQ
England
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-05-25
Last: 2026-05-11
Officers (2 active · 0 resigned)
GERRARD, Kathryn Anne→
Activedirector · ~61y · appointed 2016-09-07
View their other companies + combined net worth →
GERRARD, Philip Martin→
Activedirector · ~62y · appointed 2016-09-07
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 31/01/2019 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 12/02/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (28 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-11
change-person-director-company-with-change-date
officers · CH01
2026-01-31
change-person-director-company-with-change-date
officers · CH01
2026-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-20