95 GISBURN ROAD LIMITED
🏛️Establishedactive
11095040 · ltd · incorporated 2017-12-04
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 Dec 2024
Net worth
£-1.6k
book net assets
Opportunity
79/100
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
Pass (distressed without resilience)Property-backed borrower. Family succession underway — not a classic acquisition target.
Opportunity 79/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -51% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 2.2y
0/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 2.2 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (81/100)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
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £1,647
Cash draining
Cash down 51% YoY
Cash YoY
-51%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£10k
↓ 51% YoY
Net Worth
-£2k
↓ 306% YoY
Current Assets
£56k
↑ 29% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £14.8k | £-406 |
| Current assets | £56.5k | £43.8k |
| Cash | £10.2k | £20.8k |
| Net assets | £-1.6k | £-406 |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2025-12-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-05🔒Charge registered #3Lender: Paratus Amc Limited
- 2025-09-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-18➕TERNENT, Daniel appointeddirector
- 2025-05-20➖TERNENT, Daniel resigneddirector
- 2025-05-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-25🔒Charge registered #2Lender: Paratus Amc Limited
- 2024-09-26📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-26📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-14🔒Charge registered #1Lender: Norwest Financial Services Limited
- 2023-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-10-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-08-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-06-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-06-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-06-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-06-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-05-25➕TERNENT, Yolanda Marie appointeddirector
- 2021-05-25➖NIXON, John Edward resigneddirector
- 2021-05-25➕TERNENT, Daniel appointeddirector
- 2018-12-29➕NIXON, John Edward appointeddirector
- 2018-12-29➖TERNENT, Christopher resigneddirector
- 2017-12-04🏢Company incorporatedAs 95 GISBURN ROAD LIMITED
- 2017-12-04➕TERNENT, Christopher appointeddirector
Owner dependency
74/100
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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Yolanda Marie Ternent Individual · British · DOB 10/1968 · age 58 | 25–50% | — | 25-50% shares | 25/05/2021 |
Mr Daniel Ternent Individual · British · DOB 03/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/05/2021 |
2 historic (ceased) PSCs
- Mr John Edward Nixonceased 25/05/2021· significant influence · firm interest
- Mr Christopher Ternentceased 29/12/2018· 75-100% shares · 75-100% voting
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
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|---|---|---|---|---|---|---|---|
| 4TS PROPERTY LTD→ 11349197 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 512 PROPERTIES LTD→ 14896878 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 5SM LTD→ 17011662 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 786 PROPERTIES (NELSON) LIMITED→ 06493790 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| 799 PROPERTIES LIMITED→ 15339232 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 8 CURZON ROAD MANAGEMENT COMPANY LIMITED→ 06165848 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| 92 PROPERTY MANAGEMENT LIMITED→ 16087287 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A AND J DERBYSHIRE PROPERTY DEVELOPMENT LTD LIMITED→ 15672550 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A B PROPERTY (NORTHERN) LIMITED→ 16180460 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A&A PROPS LTD→ 14640871 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AA ESTATE NW LTD→ 16935013 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AA PROPERTIES (BLACKBURN) LTD→ 09833971 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2017-12-04
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
First Floor 98-100 Gisburn Road
Barrowford
Lancashire
BB9 6EW
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-17
Last: 2025-12-03
Officers (2 active · 3 resigned)
TERNENT, Daniel→
Activedirector · ~53y · appointed 2025-09-18
View their other companies + combined net worth →
TERNENT, Yolanda Marie→
Activedirector · ~58y · appointed 2021-05-25
View their other companies + combined net worth →
NIXON, John Edward→
Resigneddirector · ~82y · appointed 2018-12-29 · resigned 2021-05-25
TERNENT, Christopher→
Resigneddirector · ~57y · appointed 2017-12-04 · resigned 2018-12-29
TERNENT, Daniel→
Resigneddirector · ~53y · appointed 2021-05-25 · resigned 2025-05-20
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 05/12/2025 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 25/02/2025 | — | |
| outstanding | Norwest Financial Services Norwest Financial Services Limited | A registered charge | 1 property | 14/03/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (36 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-19
appoint-person-director-company-with-name-date
officers · AP01
2025-09-19
termination-director-company-with-name-termination-date
officers · TM01
2025-05-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-03
change-person-director-company-with-change-date
officers · CH01
2024-09-26
change-person-director-company-with-change-date
officers · CH01
2024-09-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-15