A AND J H PROPERTY MANAGEMENT LTD
🏛️Establishedactive
10682284 · ltd · incorporated 2017-03-21
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 Apr 2025
Net worth
£-217.7k
book net assets
Opportunity
67/100
Strong
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
- 68320Management of real estate on a fee or contract basis
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 67/100 (strong), 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. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
7 live charges · 5 lenders · oldest 8.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 8.7 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
7 charges (7/7 with lender, 7/7 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
Network not yet resolved
30
Filing history
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
74
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 £217,691
Net assets shrinking
Down £254,724 YoY
Cash YoY
+22%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£5k
↑ 22% YoY
Net Worth
-£218k
↓ 688% YoY
Current Assets
£63k
↑ 415% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £1.07M | £1.24M |
| Current assets | £63.2k | £12.3k |
| Cash | £5.3k | £4.3k |
| Debtors | £57.9k | £7.9k |
| Net assets | £-217.7k | £37.0k |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2026-01-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-11📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-10-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-01🔓Charge satisfied #2
- 2024-02-01🔓Charge satisfied #1
- 2023-12-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-20🔒Charge registered #7Lender: Interbay Funding, LTD.
- 2023-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-29🔒Charge registered #6Lender: Allica Bank Limited
- 2023-09-29🔒Charge registered #5Lender: Allica Bank Limited
- 2023-09-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-04🔒Charge registered #4Lender: Keystone Property Finance Limited
- 2021-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-23📄change-person-director-company-with-change-dateofficers · CH01
- 2021-02-23📄change-person-director-company-with-change-dateofficers · CH01
- 2021-02-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-02-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-01📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2020-02-26🔒Charge registered #3Lender: Shawbrook Bank Limited
- 2017-10-06🔒Charge registered #2Lender: Lloyds Bank PLC
- 2017-09-27🔒Charge registered #1Lender: Lloyds Bank PLC
- 2017-03-21🏢Company incorporatedAs A AND J H PROPERTY MANAGEMENT LTD
- 2017-03-21➕HARRISON, Andrew Christopher appointeddirector
- 2017-03-21➕HARRISON, Jonathan James appointeddirector
Owner dependency
71/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Christopher Harrison Individual · British · DOB 01/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/03/2017 |
Mr Jonathan James Harrison Individual · British · DOB 03/1983 · age 43 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/03/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| 35 EDR LIMITED→ 14998817 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 3C&O LIMITED→ 14704203 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 3TE LIMITED→ 16009929 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 47PROPERTY INVESTMENTS LIMITED→ 17115430 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 6 KING'S ROAD MANAGEMENT COMPANY LIMITED→ 03285818 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| 68 TEZGEL PROPERTIES LTD→ 16249292 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 9 BUCKTORN ROAD LTD→ 15400776 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| A AND P PROPERTIES (SUFFOLK) LIMITED→ 15795932 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A&A STOKE LTD→ 13332402 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| A&B PROPERTY HOLDINGS LTD→ 15733942 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A3N PROPERTIES LIMITED→ 16311076 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A3RGK PROPERTY LIMITED→ 16906412 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2017-03-21
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
143 Eastfield Road
Peterborough
PE1 4AU
United Kingdom
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-08-12
Last: 2025-07-29
Officers (2 active · 0 resigned)
HARRISON, Andrew Christopher→
Activedirector · ~46y · appointed 2017-03-21
View their other companies + combined net worth →
HARRISON, Jonathan James→
Activedirector · ~43y · appointed 2017-03-21
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
5
Outstanding
4
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | InterBay Interbay Funding, LTD. | A registered charge | 3 properties | 20/12/2023 | — | |
| outstanding | Allica Bank Allica Bank Limited | A registered charge | 1 property | 29/09/2023 | — | |
| outstanding | Allica Bank Allica Bank Limited | A registered charge | 2 properties | 29/09/2023 | — | |
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 1 property | 04/11/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 3 properties | 26/02/2020 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 2 properties | 06/10/2017 | 01/02/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 27/09/2017 | 01/02/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (39 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-09
change-person-director-company-with-change-date
officers · CH01
2025-08-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-29
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-01
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-04