ABEN LIVING LIMITED

🏛️Establishedactive

10870290 · ltd · incorporated 2017-07-18

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 Mar 2025

Net worth

—

book net assets

Opportunity

67/100

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. Reasonable fundamentals — worth a memo before deciding.

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. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

20 live charges · 8 lenders · oldest 8.5y

35/100

too messy

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

· Oldest live charge is 8.5 years old — likely at or near maturity.
· 8 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

Lenders & charges

20 charges (20/20 with lender, 20/20 with type)

Directors & officers

4 officers (2 active, 4 linked, 4 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

57 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

67/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

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

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31

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

filings

• 5 mortgage

Last 90 days

filings

• 5 mortgage
• 1 accounts

Last 180 days

filings

• 5 mortgage
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (55 events)Click to expand

2026-05-07
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-07
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-07
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-07
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-07
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-07
🔓
Charge satisfied #13
2026-05-07
🔓
Charge satisfied #8
2026-05-07
🔓
Charge satisfied #7
2026-05-07
🔓
Charge satisfied #5
2026-05-07
🔓
Charge satisfied #4
2026-03-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-08
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-07
🔒
Charge registered #20
Lender: Shawbrook Bank Limited
2021-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-23
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-22
🔒
Charge registered #19
Lender: Shawbrook Bank Limited
2020-12-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-30
📄
change-person-director-company-with-change-date
officers · CH01
2020-11-30
📄
change-person-director-company-with-change-date
officers · CH01
2020-11-30
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-11-30
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-10-16
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-10-01
🔒
Charge registered #18
Lender: Derby City Council
2020-07-24
🔒
Charge registered #17
Lender: Romaco Spv 2 Limited (Crn: 10179215)
2020-07-24
🔒
Charge registered #16
Lender: Romaco Spv 2 Limited (Crn: 10179215)
2020-03-06
🔓
Charge satisfied #11
2020-02-28
🔒
Charge registered #15
Lender: Shawbrook Bank Limited
2019-12-23
🔒
Charge registered #14
Lender: Shawbrook Bank Limited
2019-07-19
🔒
Charge registered #13
Lender: Shawbrook Bank Limited
2019-07-16
🔒
Charge registered #12
Lender: Shawbrook Bank Limited
2019-04-04
🔒
Charge registered #11
Lender: Cpf One Limited
2019-03-12
🔓
Charge satisfied #6
2019-03-12
🔓
Charge satisfied #3
2019-03-12
🔓
Charge satisfied #2
2019-02-15
🔒
Charge registered #10
Lender: Onesavings Bank PLC
2018-11-22
🔒
Charge registered #9
Lender: Onesavings Bank PLC
2018-11-16
🔒
Charge registered #8
Lender: Romaco Spv 5 Limited
2018-11-16
🔒
Charge registered #7
Lender: Romaco Spv 5 Limited
2018-07-31
🔒
Charge registered #6
Lender: Derby City Council
2018-07-06
🔒
Charge registered #5
Lender: Romaco SPV5 Limited
2018-07-06
🔒
Charge registered #4
Lender: Romaco SPV5 Limited
2018-03-06
🔒
Charge registered #3
Lender: Together Commercial Finance Limited
2018-01-12
🔒
Charge registered #2
Lender: Together Commercial Finance Limited
2017-12-18
🔒
Charge registered #1
Lender: Onesavings Bank PLC
2017-08-16
➖
FOOKS, Matthew Martin resigned
director
2017-08-16
➖
WALE, Lewis resigned
director

Showing most recent 50 of 55 events

Owner dependency

66/100

High — earn-out structure required

Material 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.

Succession & seller-readiness

36/100

Weak signal

Limited 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 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.

11 live charges

low

Heavily 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
Mrs Samantha Wale Individual · British · DOB 06/1995 · age 31	25–50%	25–50%	25-50% shares · 25-50% voting	18/07/2017
Mr Adam Wale Individual · British · DOB 07/1986 · age 40	25–50%	25–50%	25-50% shares · 25-50% voting	18/07/2017

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 · DE postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
13TEN PROPERTIES LTD→ 16333612 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
3-EIGHT PROPERTY SOLUTIONS LTD→ 12501577 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
32-34 MARKET STREET LIMITED→ 12022556 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
34 HIGH STREET LTD→ 14430039 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
360 INVESTMENTS (UK) LTD→ 11740703 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
37 WARD STREET LIMITED→ 14624455 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
398 DUFFIELD RD MANAGEMENT COMPANY LIMITED→ 12549561 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
398 UNR LTD→ 14600630 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
3AK PROPERTY LTD→ 15634929 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
3CS INV-ESTATES LTD→ 14477669 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
3G'S HINIT PROPERTY LTD→ 16295087 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
3S GLOBAL PROPERTY LTD→ 11809519 · est 2019 · no financials extracted	—	—	—	—	7y	—	—

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

Incorporated2017-07-18

Jurisdictionengland-wales

Primary SIC68100 — Buying and selling of own real estate

Registered office

1 Duffield Road

Derby

DE1 3BB

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-11-19

Last: 2025-11-05

Officers (2 active · 2 resigned)

WALE, Adam→

director · ~40y · appointed 2017-07-18

View their other companies + combined net worth →

Active

WALE, Samantha→

director · ~31y · appointed 2017-07-18

View their other companies + combined net worth →

Active

FOOKS, Matthew Martin→

director · ~34y · appointed 2017-07-18 · resigned 2017-08-16

Resigned

WALE, Lewis→

director · ~34y · appointed 2017-07-18 · resigned 2017-08-16

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:20 of 20 shown

		Type	Properties
outstanding	Shawbrook Shawbrook Bank Limited	A registered charge	3 properties	07/03/2022	—
outstanding	Shawbrook Shawbrook Bank Limited	A registered charge	1 property	22/06/2021	—
outstanding	Derby City Council	A registered charge	1 property	01/10/2020	—
outstanding	Romaco Spv 2 (Crn: 10179215) Romaco Spv 2 Limited (Crn: 10179215)	A registered charge	2 properties	24/07/2020	—
outstanding	Romaco Spv 2 (Crn: 10179215) Romaco Spv 2 Limited (Crn: 10179215)	A registered charge	3 properties	24/07/2020	—
outstanding	Shawbrook Shawbrook Bank Limited	A registered charge	1 property	28/02/2020	—
outstanding	Shawbrook Shawbrook Bank Limited	A registered charge	1 property	23/12/2019	—
satisfied	Shawbrook Shawbrook Bank Limited	A registered charge	1 property	19/07/2019	07/05/2026
outstanding	Shawbrook Shawbrook Bank Limited	A registered charge	1 property	16/07/2019	—
satisfied	Cpf One Cpf One Limited	A registered charge	1 property	04/04/2019	06/03/2020
outstanding	Onesavings Bank Onesavings Bank PLC	A registered charge	1 property	15/02/2019	—
outstanding	Onesavings Bank Onesavings Bank PLC	A registered charge	1 property	22/11/2018	—
satisfied	Romaco Spv 5 Romaco Spv 5 Limited	A registered charge	1 property	16/11/2018	07/05/2026
satisfied	Romaco Spv 5 Romaco Spv 5 Limited	A registered charge	1 property	16/11/2018	07/05/2026
satisfied	Derby City Council	A registered charge	1 property	31/07/2018	12/03/2019
satisfied	Romaco SPV5 Romaco SPV5 Limited	A registered charge	1 property	06/07/2018	07/05/2026
satisfied	Romaco SPV5 Romaco SPV5 Limited	A registered charge	1 property	06/07/2018	07/05/2026
satisfied	Together Money Together Commercial Finance Limited	A registered charge	1 property	06/03/2018	12/03/2019
satisfied	Together Money Together Commercial Finance Limited	A registered charge	1 property	12/01/2018	12/03/2019
outstanding	Onesavings Bank Onesavings Bank PLC	A registered charge	1 property	18/12/2017	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (57 total)

mortgage-satisfy-charge-full

mortgage · MR04

2026-05-07

mortgage-satisfy-charge-full

mortgage · MR04

2026-05-07

mortgage-satisfy-charge-full

mortgage · MR04

2026-05-07

mortgage-satisfy-charge-full

mortgage · MR04

2026-05-07

mortgage-satisfy-charge-full

mortgage · MR04

2026-05-07

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-03-31

confirmation-statement-with-updates

confirmation-statement · CS01

2025-11-21

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-12-31

confirmation-statement-with-updates

confirmation-statement · CS01

2024-11-05

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-07-19

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2024-04-10

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-12-18

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-08-02

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-12-19

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-07-20