7 BAYS PROPERTIES LTD
🏛️Establishedactive
10947435 · ltd · incorporated 2017-09-05
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 2024
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 74/100 (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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
4 live charges · 4 lenders · oldest 3.5y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~3.5 years — mid-life; refi window approaching.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
32 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2024-09-30 | 2023-09-30 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2025-11-03📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-10-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-29🔒Charge registered #4Lender: Hampshire Trust Bank PLC
- 2024-11-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-08🔒Charge registered #3Lender: Paragon Bank PLC
- 2024-05-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-12🔒Charge registered #2Lender: Charterbank Capital Limited
- 2022-12-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-11-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-04🔒Charge registered #1Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2022-10-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-10-11📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2022-06-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-01-27➕LOCK, Adam appointedsecretary
- 2022-01-27➖LOCK, Robert Francis resignedsecretary
- 2022-01-27➖LOCK, Robert Francis resigneddirector
- 2022-01-27📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-01-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-01-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-01-27📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-06-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-04-02➖LOCK, Alison Ruth resigneddirector
- 2017-09-05🏢Company incorporatedAs 7 BAYS PROPERTIES LTD
- 2017-09-05➕LOCK, Adam Robert appointeddirector
- 2017-09-05➕LOCK, Sally Anne appointeddirector
- 2017-09-05➕LOCK, Robert Francis appointedsecretary
- 2017-09-05➕LOCK, Alison Ruth appointeddirector
- 2017-09-05➕LOCK, Robert Francis appointeddirector
Owner dependency
66/100
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.
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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Adam Robert Lock Individual · British · DOB 04/1978 · age 48 | 50–75% | — | 50-75% shares | 10/10/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Construction · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2C HOMES LIMITED→ 02137550 · est 1987 · no financials extracted | — | — | — | — | 38y | — | — |
| 3C PROPERTY DEVELOPMENTS LTD→ 07774421 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| 4G1B ELECTRICAL SERVICES LIMITED→ 14018313 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 5 DOUGHTY STREET LIMITED→ 13952624 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 60 STATION DEVELOPMENTS LTD→ 10991529 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 66 EAST STREET LIMITED→ 10012770 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| 777 HOME IMPROVEMENTS LTD→ 16485655 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 999 ELECTRICAL & RENEWABLE ENERGY LTD→ 15261011 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A A GLAZING (BRISTOL) LIMITED→ 03005934 · est 1995 · no financials extracted | — | — | — | — | 31y | — | — |
| A&A MAINTENANCE TEAM LTD→ 17098195 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| A1 HOME IMPROVEMENTS SOUTH LIMITED→ 10008215 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| A1 PLUMBING HEATING LTD→ 11822056 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2017-09-05
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects
Registered office
Elite Financial Accounting 184
Henleaze Road
Bristol
BS9 4NE
England
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-01-27
Last: 2026-01-13
Officers (3 active · 3 resigned)
Active
LOCK, Adam Robert→
Activedirector · ~48y · appointed 2017-09-05
View their other companies + combined net worth →
LOCK, Sally Anne→
Activedirector · ~52y · appointed 2017-09-05
View their other companies + combined net worth →
LOCK, Robert Francis→
Resignedsecretary · appointed 2017-09-05 · resigned 2022-01-27
LOCK, Alison Ruth→
Resigneddirector · ~77y · appointed 2017-09-05 · resigned 2018-04-02
LOCK, Robert Francis→
Resigneddirector · ~75y · appointed 2017-09-05 · resigned 2022-01-27
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
4
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Hampshire Trust Bank Hampshire Trust Bank PLC | A registered charge | 2 properties | 29/11/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 08/11/2024 | — | |
| outstanding | Charterbank Capital Charterbank Capital Limited | A registered charge | 1 property | 12/07/2023 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 04/11/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (32 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-03
change-person-secretary-company-with-change-date
officers · CH03
2025-11-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-13
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-27
accounts-with-accounts-type-dormant
accounts · AA
2022-12-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-07