ABOVE SERVICES LTD

🏛️Establishedactive
11516308 · ltd · incorporated 2018-08-14
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 Aug 2025
Net worth
—
book net assets
Opportunity
65/100
Strong
🔔
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What this business does
Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
  • 41202Construction of domestic buildings
  • 68100Buying and selling of own real estate
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Active trading company. 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. 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

58 live charges · 6 lenders · oldest 6.5y

35/100
too messy

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

  • · Oldest live charge is 6.5 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 (73/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 4 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
58 charges (58/58 with lender, 58/58 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
135 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-31

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
0
filings
Last 90 days
13
filings
  • • 12 mortgage
  • • 1 confirmation-statement
Last 180 days
23
filings
  • • 21 mortgage
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (121 events)Click to expand
  1. 2026-06-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-06-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2026-06-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2026-06-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2026-06-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2026-06-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2026-06-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2026-06-03
    🔒
    Charge registered #58
    Lender: Together Commercial Finance Limited
  9. 2026-06-03
    🔒
    Charge registered #57
    Lender: Together Commercial Finance Limited
  10. 2026-06-03
    🔓
    Charge satisfied #47
  11. 2026-06-03
    🔓
    Charge satisfied #46
  12. 2026-06-03
    🔓
    Charge satisfied #40
  13. 2026-06-02
    🔒
    Charge registered #56
    Lender: Together Commercial Finance Limited
  14. 2026-06-02
    🔒
    Charge registered #55
    Lender: Together Commercial Finance Limited
  15. 2026-05-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2026-05-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2026-05-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2026-05-22
    🔒
    Charge registered #52
    Lender: Onesavings Bank PLC
  19. 2026-05-20
    🔒
    Charge registered #54
    Lender: Together Commercial Finance Limited
  20. 2026-05-20
    🔒
    Charge registered #53
    Lender: Together Commercial Finance Limited
  21. 2026-05-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2026-05-14
    🔒
    Charge registered #51
    Lender: The Mortgage Lender Limited
  23. 2026-04-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2026-04-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2026-04-07
    🔒
    Charge registered #50
    Lender: Together Commercial Finance Limited
  26. 2026-04-07
    🔒
    Charge registered #49
    Lender: Together Commercial Finance Limited
  27. 2026-04-02
    📄
    mortgage-charge-part-release-with-charge-number
    mortgage · MR05
  28. 2026-04-02
    📄
    mortgage-charge-part-release-with-charge-number
    mortgage · MR05
  29. 2026-04-02
    📄
    mortgage-charge-part-release-with-charge-number
    mortgage · MR05
  30. 2026-04-02
    📄
    mortgage-charge-part-release-with-charge-number
    mortgage · MR05
  31. 2026-04-02
    📄
    mortgage-charge-part-both-with-charge-number
    mortgage · MR05
  32. 2026-04-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  33. 2026-04-02
    🔒
    Charge registered #48
    Lender: Lendinvest Btl Limited
  34. 2026-03-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  35. 2026-03-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  36. 2026-02-26
    🔒
    Charge registered #47
    Lender: Together Commercial Finance Limited
  37. 2026-02-26
    🔒
    Charge registered #46
    Lender: Together Commercial Finance Limited
  38. 2026-02-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  39. 2025-12-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  40. 2025-12-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  41. 2025-12-23
    🔒
    Charge registered #45
    Lender: Together Commercial Finance Limited
  42. 2025-12-23
    🔒
    Charge registered #44
    Lender: Together Commercial Finance Limited
  43. 2025-12-16
    🔒
    Charge registered #43
    Lender: The Mortgage Lender Limited
  44. 2025-10-20
    🔒
    Charge registered #42
    Lender: Together Commercial Finance Limited
  45. 2025-10-20
    🔒
    Charge registered #41
    Lender: Together Commercial Finance Limited
  46. 2025-09-19
    🔒
    Charge registered #39
    Lender: The Mortgage Lender Limited
  47. 2025-09-18
    🔒
    Charge registered #40
    Lender: National Westminster Bank PLC
  48. 2025-09-10
    🔓
    Charge satisfied #25
  49. 2025-09-10
    🔓
    Charge satisfied #24
  50. 2025-09-10
    🔓
    Charge satisfied #23
Showing most recent 50 of 121 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

2 med · 1 low
20 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-06-03: A registered charge; 2026-06-03: A registered charge; 2026-06-02: A registered charge

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.

32 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Ayodele Rufus Owolabi
Individual · British,Nigerian · DOB 03/1979 · age 47
50–75%
50–75%board control50-75% shares · 50-75% voting · board control14/08/2018
Mrs Tolulope Oluwayemisi Owolabi
Individual · British · DOB 05/1986 · age 40
25–50%
—25-50% shares24/07/2023

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 →

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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
Incorporated2018-08-14
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects

Registered office

Unit 3 & 4 Top Valley Way
Nottingham
NG5 9DD
England

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-06-26
Last: 2026-06-12

Officers (2 active · 5 resigned)

OWOLABI, Ayodele Rufus→
director · ~47y · appointed 2018-08-14
View their other companies + combined net worth →
Active
OWOLABI, Tolulope Oluwayemisi→
director · ~40y · appointed 2018-12-17
View their other companies + combined net worth →
Active
OMOLE, Olutoyin→
secretary · appointed 2023-01-19 · resigned 2023-03-28
Resigned
OWOLABI, Tolulope Oluwayemisi→
secretary · appointed 2023-01-19 · resigned 2023-01-19
Resigned
OMOLE, Olutoyin→
director · ~59y · appointed 2021-01-07 · resigned 2023-01-19
Resigned
OWOLABI, Tolulope Oluwayemisi→
director · ~40y · appointed 2018-12-17 · resigned 2023-01-19
Resigned
OWOLABI, Tolulope Oluwayemisi→
director · ~40y · appointed 2018-08-14 · resigned 2018-11-01
Resigned

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

Mortgages & charges

58
Total charges
32
Outstanding
5
Active lenders
Status:Lender:58 of 58 shown
TypeProperties
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property03/06/2026—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property03/06/2026—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property02/06/2026—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property02/06/2026—
outstanding
Onesavings Bank
Onesavings Bank PLC
A registered charge1 property22/05/2026—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property20/05/2026—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property20/05/2026—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property14/05/2026—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge2 properties07/04/2026—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property07/04/2026—
outstanding
LendInvest
Lendinvest Btl Limited
A registered charge2 properties02/04/2026—
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property26/02/202603/06/2026
satisfied
Together Money
Together Commercial Finance Limited
A registered charge2 properties26/02/202603/06/2026
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property23/12/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property23/12/2025—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property16/12/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property20/10/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge2 properties20/10/2025—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property19/09/2025—
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property18/09/202503/06/2026
outstanding
Aldermore
Aldermore Bank PLC
A registered charge3 properties29/05/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge3 properties22/04/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge3 properties22/04/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge3 properties22/04/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property17/04/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property17/04/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge2 properties11/04/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property03/04/2025—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge2 properties03/04/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property03/04/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property03/04/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property07/03/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property07/03/2025—
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property20/11/202410/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property20/11/202410/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property24/10/202410/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge2 properties24/10/202410/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge2 properties24/10/202410/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property24/10/202410/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property24/10/202410/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property24/10/202410/09/2025
outstanding
Aldermore
Aldermore Bank PLC
A registered charge5 properties22/10/2024—
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property25/10/202310/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property15/05/202307/10/2024
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property10/03/202310/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property15/02/202310/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property15/02/202310/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property12/01/202310/09/2025
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property07/11/2022—
satisfied
Together Money
Together Commercial Finance Limited
A registered charge3 properties17/12/202107/10/2024
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property11/06/202110/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property11/06/202120/02/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property08/01/202107/10/2024
satisfied
Aldermore
Aldermore Bank PLC
A registered charge1 property02/12/202010/09/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property27/03/202007/10/2024
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property27/03/202007/10/2024
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property10/01/202020/01/2021
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property10/01/202007/10/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (135 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-21
confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-04
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-03
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-03
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-03
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
2026-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-22
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
2026-04-10
mortgage-charge-part-release-with-charge-number
mortgage · MR05
2026-04-02