AMBROSE PROPERTY GROUP UK LTD

🏛️Establishedactive
10401049 · ltd · incorporated 2016-09-29
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 Sept 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Property-backed borrower with a 74-year-old founder — textbook succession opportunity.

Opportunity 71/100 (strong), bankability 57/100. Strong seller-intent signal (60/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

18 live charges · 9 lenders · oldest 9.6y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 9.6 years old — likely at or near maturity.
  • · 9 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
18 charges (18/18 with lender, 18/18 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
4 connected companies via shared directors
57
Filing history
62 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
55
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
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
—
£0£0£0£0£0£0Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30

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
1
filing
  • • 1 accounts
Last 90 days
4
filings
  • • 1 accounts
  • • 1 confirmation-statement
  • • 1 officers
Last 180 days
7
filings
  • • 2 officers
  • • 2 persons-with-significant-control
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
  1. 2026-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-05-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-05-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2026-01-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2026-01-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2026-01-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2025-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-06-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2024-06-18
    🔒
    Charge registered #18
    Lender: Paragon Bank PLC
  10. 2023-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-12-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-07-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2022-07-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2022-07-29
    🔒
    Charge registered #17
    Lender: Kensington Mortgage Company Limited
  15. 2022-07-29
    🔓
    Charge satisfied #3
  16. 2022-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2022-01-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2022-01-06
    🔓
    Charge satisfied #11
  19. 2021-12-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2021-12-22
    🔒
    Charge registered #16
    Lender: Charter Court Financial Services Limited T/as Precise Mortgages
  21. 2021-03-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2021-03-17
    🔒
    Charge registered #15
    Lender: Paragon Bank PLC
  23. 2020-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2020-03-06
    📄
    mortgage-charge-whole-release-with-charge-number
    mortgage · MR05
  25. 2020-03-06
    🔒
    Charge registered #14
    Lender: Paragon Bank PLC
  26. 2020-03-06
    🔒
    Charge registered #13
    Lender: Paragon Bank PLC
  27. 2020-03-06
    🔒
    Charge registered #12
    Lender: Paragon Bank PLC
  28. 2019-09-05
    🔒
    Charge registered #11
    Lender: Paragon Bank PLC
  29. 2019-09-05
    🔓
    Charge satisfied #8
  30. 2019-04-05
    🔒
    Charge registered #10
    Lender: Paragon Bank PLC
  31. 2019-02-14
    🔓
    Charge satisfied #2
  32. 2019-01-31
    🔒
    Charge registered #9
    Lender: The Mortgage Works (UK) PLC
  33. 2018-02-23
    🔒
    Charge registered #8
    Lender: Charter Court Financial Services Limited T/a Precise Mortgages
  34. 2018-01-19
    🔒
    Charge registered #7
    Lender: Paragon Mortgages (2010) Limited
  35. 2018-01-19
    🔒
    Charge registered #6
    Lender: Paragon Bank PLC
  36. 2018-01-16
    🔒
    Charge registered #5
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  37. 2018-01-03
    🔒
    Charge registered #4
    Lender: Onesavings Bank PLC
  38. 2017-12-06
    🔒
    Charge registered #3
    Lender: Paragon Mortgages (2010) Limited
  39. 2016-12-14
    🔒
    Charge registered #2
    Lender: Paragon Mortgages (2010) Limited
  40. 2016-12-14
    🔒
    Charge registered #1
    Lender: Paragon Mortgages (2010) Limited and Paragon Bank PLC
  41. 2016-09-29
    🏢
    Company incorporated
    As AMBROSE PROPERTY GROUP UK LTD
  42. 2016-09-29
    ➕
    JONES, Andrew appointed
    director
  43. 2016-09-29
    ➕
    JONES, Etwaria appointed
    director

Owner dependency

86/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 74 — succession pressure is live.
  • +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

66/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

14 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Etwaria Jones
Individual · Trinidadian · DOB 04/1952 · age 74
25–50%
25–50%25-50% shares · 25-50% voting29/09/2016
Andrew Jones
Individual · British · DOB 09/1982 · age 44
25–50%
25–50%25-50% shares · 25-50% voting29/09/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2016-09-29
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate

Registered office

57 Spetchley Road
Worcester
WR5 2LR
England

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-05-02
Last: 2026-04-18

Officers (2 active · 0 resigned)

JONES, Andrew→
director · ~44y · appointed 2016-09-29
View their other companies + combined net worth →
Active
JONES, Etwaria→
director · ~74y · appointed 2016-09-29
View their other companies + combined net worth →
Active

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

Mortgages & charges

18
Total charges
14
Outstanding
5
Active lenders
Status:Lender:18 of 18 shown
TypeProperties
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property18/06/2024—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property29/07/2022—
outstanding
Precise Mortgages
Charter Court Financial Services Limited T/as Precise Mortgages
A registered charge1 property22/12/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property17/03/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property06/03/2020—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property06/03/2020—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property06/03/2020—
satisfied
Paragon
Paragon Bank PLC
A registered charge1 property05/09/201906/01/2022
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property05/04/2019—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property31/01/2019—
satisfied
Precise Mortgages
Charter Court Financial Services Limited T/a Precise Mortgages
A registered charge1 property23/02/201805/09/2019
outstanding
Paragon
Paragon Mortgages (2010) Limited / Paragon Bank PLC
A registered charge—19/01/2018—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property19/01/2018—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property16/01/2018—
outstanding
Onesavings Bank
Onesavings Bank PLC
A registered charge1 property03/01/2018—
satisfied
Paragon
Paragon Mortgages (2010) Limited
A registered charge1 property06/12/201729/07/2022
satisfied
Paragon
Paragon Mortgages (2010) Limited
A registered charge1 property14/12/201614/02/2019
outstanding
Paragon
Paragon Mortgages (2010) Limited and Paragon Bank PLC
A registered charge1 property14/12/2016—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (62 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-05
change-person-director-company-with-change-date
officers · CH01
2026-05-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-01
change-person-director-company-with-change-date
officers · CH01
2026-01-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-07-29