ADAM POVEY PROPERTIES LTD
🏛️Establishedactive
11040217 · ltd · incorporated 2017-10-31
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 Oct 2025
Net worth
£68.2k
book net assets
Opportunity
65/100
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
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 65/100 (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. 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
24 live charges · 6 lenders · oldest 5.8y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.8 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — 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, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
24 charges (24/24 with lender, 24/24 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
52 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
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 →Opportunity Score
65/100Strong
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
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £68,182
Net assets shrinking
Down £104,639 YoY
Cash YoY
+1345%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£176k
↑ 1345% YoY
Net Worth
£68k
↓ 61% YoY
Current Assets
£180k
↑ 1131% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Total assets | £1.95M | £1.12M |
| Current assets | £180.4k | £14.7k |
| Cash | £175.9k | £12.2k |
| Debtors | £4.4k | £2.5k |
| Net assets | £68.2k | £172.8k |
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
8
filings
- • 7 mortgage
- • 1 accounts
Last 90 days
11
filings
- • 10 mortgage
- • 1 accounts
Last 180 days
21
filings
- • 19 mortgage
- • 1 accounts
- • 1 capital
Counts from Companies House filing history.
Corporate timeline (56 events)Click to expand
- 2026-06-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2026-05-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-28🔓Charge satisfied #22
- 2026-05-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-21🔓Charge satisfied #21
- 2026-05-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-18🔒Charge registered #24Lender: Landbay Partners Limited
- 2026-05-18🔒Charge registered #22Lender: Landbay Partners Limited
- 2026-05-18🔒Charge registered #21Lender: Landbay Partners Limited
- 2026-05-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-15🔒Charge registered #23Lender: State Bank of India (UK) Limited
- 2026-05-15🔒Charge registered #20Lender: State Bank of India (UK) Limited
- 2026-04-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-24🔒Charge registered #19Lender: Kensington Mortgage Company Limited
- 2026-03-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-31🔒Charge registered #18Lender: State Bank of India (UK) Limited
- 2026-03-31🔒Charge registered #17Lender: State Bank of India (UK) Limited
- 2026-02-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-12🔒Charge registered #16Lender: Landbay Partners Limited
- 2026-02-11📄capital-allotment-sharescapital · SH01
- 2025-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19🔒Charge registered #13Lender: State Bank of India (UK) Limited
- 2025-12-19🔒Charge registered #12Lender: State Bank of India (UK) Limited
- 2025-12-19🔒Charge registered #11Lender: State Bank of India (UK) Limited
- 2025-12-19🔒Charge registered #10Lender: State Bank of India (UK) Limited
- 2025-12-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-12🔒Charge registered #15Lender: State Bank of India (UK) Limited
- 2025-12-12🔒Charge registered #14Lender: State Bank of India (UK) Limited
- 2025-12-12🔒Charge registered #9Lender: State Bank of India (UK) Limited
- 2025-12-12🔒Charge registered #8Lender: State Bank of India (UK) Limited
- 2025-09-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-17🔒Charge registered #7Lender: Kensington Mortgage Company Limited
- 2025-07-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-13🔒Charge registered #6Lender: Kensington Mortgage Company Limited
- 2024-11-29🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2024-11-29🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2024-08-29🔓Charge satisfied #3
- 2024-08-29🔓Charge satisfied #2
- 2024-08-29🔓Charge satisfied #1
Showing most recent 50 of 56 events
Owner dependency
78/100
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.
- +Founder name in company name: Company name contains director surname "POVEY" — strong identity link between founder and business.
- +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
2 med · 1 low19 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-05-18: A registered charge; 2026-05-18: A registered charge; 2026-05-18: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
19 live charges
lowHeavily 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 |
|---|---|---|---|---|
Mr Adam James Povey Individual · British · DOB 02/1986 · age 40 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/10/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| A & H PHILLIPS LTD→ 15184998 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A & J ACQUISITION LTD→ 12858004 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A J O PROPERTY INVESTMENTS LIMITED→ 13449594 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A.J.T PROPERTY INVESTMENTS LIMITED→ 10770645 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| A&G REALTY LTD→ 16816997 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACORN PARK HOMES MANAGEMENT LTD→ 09666837 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ACORNGAIN PROPERTY MANAGEMENT COMPANY LIMITED→ 02626422 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| ACP (BILLERICAY) LIMITED→ 14014913 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AD PRIME MANAGEMENT LTD→ 16613047 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AD PRIME PROPERTY LTD→ 16561264 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADAMS PROPERTY YORKSHIRE LTD→ 13878943 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ADASTRA PROPERTY LIMITED→ 08123582 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2017-10-31
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Lodge Park Lodge Lane
Langham
Colchester
Essex
CO4 5NE
United Kingdom
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-11-13
Last: 2025-10-30
Officers (2 active · 0 resigned)
PATER, Natasha Mary→
Activedirector · ~42y · appointed 2024-08-20
View their other companies + combined net worth →
POVEY, Adam James→
Activedirector · ~40y · appointed 2017-10-31
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
24
Total charges
19
Outstanding
4
Active lenders
Status:Lender:24 of 24 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 18/05/2026 | — | |
| satisfied | Landbay Landbay Partners Limited | A registered charge | 1 property | 18/05/2026 | 28/05/2026 | |
| satisfied | Landbay Landbay Partners Limited | A registered charge | 1 property | 18/05/2026 | 21/05/2026 | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 15/05/2026 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 15/05/2026 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 24/04/2026 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 31/03/2026 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 31/03/2026 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 12/02/2026 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 19/12/2025 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 19/12/2025 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 19/12/2025 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 19/12/2025 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 12/12/2025 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 12/12/2025 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 12/12/2025 | — | |
| outstanding | State Bank of India (UK) State Bank of India (UK) Limited | A registered charge | 1 property | 12/12/2025 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 17/09/2025 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 13/06/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 29/11/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 29/11/2024 | — | |
| satisfied | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 10/12/2021 | 29/08/2024 | |
| satisfied | Landbay Landbay Partners Limited | A registered charge | 1 property | 01/09/2021 | 29/08/2024 | |
| satisfied | Nottingham Building Society | A registered charge | 1 property | 20/08/2020 | 29/08/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (52 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-06-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-28
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-21
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-12
capital-allotment-shares
capital · SH01
2026-02-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-22