ALLIANCE ESTATES LTD
- 68209Other letting and operating of own or leased real estate
Opportunity 64/100 (worth a look), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
27 live charges · 6 lenders · oldest 8.8y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.8 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Mixed signal. Worth opening the full target workup before deciding to pursue.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 |
|---|---|
| Total assets | £827.0k |
| Current assets | £545 |
| Net assets | £24.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
- • 1 mortgage
- • 6 mortgage
- • 2 accounts
Corporate timeline (65 events)Click to expand
- 2026-06-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-20🔒Charge registered #27Lender: Chetwood Financial Limited Trading as Modamortgages
- 2026-04-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-09🔒Charge registered #26Lender: The Mortgage Lender Limited
- 2026-03-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2026-02-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-18🔓Charge satisfied #4
- 2026-02-18🔓Charge satisfied #1
- 2026-02-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-17🔓Charge satisfied #21
- 2026-02-17🔓Charge satisfied #20
- 2025-12-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-04🔓Charge satisfied #25
- 2025-12-04🔓Charge satisfied #24
- 2025-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-27🔒Charge registered #25Lender: Ms Lending Spv 3 Limited
- 2025-11-27🔒Charge registered #24Lender: Ms Lending Spv 3 Limited
- 2025-11-27🔒Charge registered #23Lender: Ms Lending Spv 3 Limited
- 2025-11-27🔒Charge registered #22Lender: Ms Lending Spv 3 Limited
- 2025-09-05📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2025-08-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-04-28📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-12-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-25🔒Charge registered #21Lender: Together Commercial Finance Limited
- 2024-11-25🔒Charge registered #20Lender: Together Commercial Finance Limited
- 2024-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-05-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-15🔒Charge registered #19Lender: Charter Court Financial Services Limited
- 2024-05-15🔒Charge registered #18Lender: Together Commercial Finance Limited
- 2024-05-15🔒Charge registered #17Lender: Together Commercial Finance Limited
- 2024-05-10🔓Charge satisfied #11
- 2024-05-10🔓Charge satisfied #10
- 2024-05-10🔓Charge satisfied #5
- 2024-05-08🔒Charge registered #16Lender: The Mortgage Lender Limited
- 2024-03-22🔒Charge registered #15Lender: Onesavings Bank PLC
- 2024-03-22🔒Charge registered #14Lender: Charter Court Financial Services Limited
- 2024-01-04🔓Charge satisfied #7
- 2024-01-04🔓Charge satisfied #6
- 2023-12-21🔒Charge registered #13Lender: Together Commercial Finance Limited
- 2023-12-21🔒Charge registered #12Lender: Together Commercial Finance Limited
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
2 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-05-20: A registered charge; 2026-04-09: A registered charge; 2025-11-27: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Olyne Tendai Mutambisi Individual · British · DOB 01/1980 · age 46 | 75–100% | — | 75-100% shares | 05/10/2016 |
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.
See pricing →Similar companies
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9 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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Chetwood Financial Trading as Modamortgages Chetwood Financial Limited Trading as Modamortgages | A registered charge | 1 property | 20/05/2026 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 09/04/2026 | — | |
| satisfied | Ms Lending Spv 3 Ms Lending Spv 3 Limited | A registered charge | 1 property | 27/11/2025 | 04/12/2025 | |
| satisfied | Ms Lending Spv 3 Ms Lending Spv 3 Limited | A registered charge | 1 property | 27/11/2025 | 04/12/2025 | |
| outstanding | Ms Lending Spv 3 Ms Lending Spv 3 Limited | A registered charge | 1 property | 27/11/2025 | — | |
| outstanding | Ms Lending Spv 3 Ms Lending Spv 3 Limited | A registered charge | 1 property | 27/11/2025 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 5 properties | 25/11/2024 | 17/02/2026 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 5 properties | 25/11/2024 | 17/02/2026 | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 15/05/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 15/05/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 15/05/2024 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 08/05/2024 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 22/03/2024 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 22/03/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 21/12/2023 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 21/12/2023 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 21/11/2023 | 10/05/2024 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 21/11/2023 | 10/05/2024 | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 31/05/2023 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 08/03/2023 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 20/10/2022 | 04/01/2024 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 20/10/2022 | 04/01/2024 | |
| satisfied | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 31/01/2022 | 10/05/2024 | |
| satisfied | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 10/01/2020 | 18/02/2026 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 19/01/2018 | 08/01/2020 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 19/01/2018 | 04/02/2020 | |
| satisfied | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 02/10/2017 | 18/02/2026 |