A. HART PROPERTY & INVESTMENTS LIMITED
Opportunity 69/100 (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. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
14 live charges · 9 lenders · oldest 5.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.7 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover 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.
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
- • 1 confirmation-statement
- • 1 mortgage
Corporate timeline (42 events)Click to expand
- 2026-02-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-03🔒Charge registered #14Lender: Kensington Mortgage Company Limited
- 2025-12-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-11🔒Charge registered #13Lender: Kensington Mortgage Company Limited
- 2025-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-05🔓Charge satisfied #7
- 2025-09-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-01🔒Charge registered #12Lender: Landbay Partners Limited
- 2025-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-04-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-01-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-12🔒Charge registered #11Lender: The Mortgage Lender Limited
- 2023-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-06🔒Charge registered #10Lender: Keystone Property Finance Limited
- 2023-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-05🔒Charge registered #9Lender: Lendinvest Security Trustees Limited
- 2023-08-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-30🔒Charge registered #8Lender: Lendinvest Btl Limited
- 2023-08-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-23🔒Charge registered #7Lender: Landbay Partners Limited
- 2022-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-13🔒Charge registered #6Lender: Lendinvest Security Trustees Limited
- 2022-11-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-11-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-11-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-11-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-11-25🔓Charge satisfied #5
- 2022-11-25🔓Charge satisfied #4
- 2022-11-25🔓Charge satisfied #3
- 2022-11-25🔓Charge satisfied #2
- 2022-05-13🔒Charge registered #5Lender: Hbb Bridging Loans Limited
- 2022-05-13🔒Charge registered #4Lender: Hbb Bridging Loans Limited
- 2021-09-17🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2021-09-17🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2020-10-30🔒Charge registered #1Lender: Aldermore Bank PLC
- 2018-02-21🏢Company incorporatedAs A. HART PROPERTY & INVESTMENTS LIMITED
- 2018-02-21➕HART, Andrew Ronald appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "HART" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
2 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-02-03: A registered charge; 2025-12-11: A registered charge; 2025-09-01: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily 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 Andrew Ronald Hart Individual · English · DOB 01/1968 · age 58 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/02/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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9 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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 03/02/2026 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 11/12/2025 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 01/09/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 12/01/2024 | — | |
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 1 property | 06/11/2023 | — | |
| outstanding | LendInvest Lendinvest Security Trustees Limited | A registered charge | 1 property | 05/10/2023 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 30/08/2023 | — | |
| satisfied | Landbay Landbay Partners Limited | A registered charge | 1 property | 23/08/2023 | 05/09/2025 | |
| outstanding | LendInvest Lendinvest Security Trustees Limited | A registered charge | 1 property | 13/12/2022 | — | |
| satisfied | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | — | 13/05/2022 | 25/11/2022 | |
| satisfied | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | 1 property | 13/05/2022 | 25/11/2022 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 17/09/2021 | 25/11/2022 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 17/09/2021 | 25/11/2022 | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 30/10/2020 | — |