66 PHIPPS HOUSE 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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
7 live charges · 4 lenders · oldest 6.8y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.8 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)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 · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 0 | 0 |
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 mortgage
Corporate timeline (27 events)Click to expand
- 2026-02-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-18🔒Charge registered #7Lender: Fleet Mortgages Limited
- 2025-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-01🔓Charge satisfied #1
- 2022-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-29🔒Charge registered #6Lender: Fleet Mortgages Limited
- 2022-04-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-29🔒Charge registered #5Lender: Belmont Green Finance Limited Trading as Vida Homeloans
- 2022-03-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-17🔒Charge registered #4Lender: Shawbrook Bank Limited
- 2022-03-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-20🔒Charge registered #3Lender: Kensington Mortgage Company Limited
- 2019-09-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-09-06🔒Charge registered #2Lender: Kensington Mortgage Company Limited
- 2019-08-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-08-05🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2018-10-01🏢Company incorporatedAs 66 PHIPPS HOUSE LIMITED
- 2018-10-01➕GUAN, Hui appointeddirector
- 2018-10-01📄incorporation-companyincorporation · NEWINC
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.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 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 |
|---|---|---|---|---|
Miss Hui Guan Individual · British · DOB 03/1975 · age 51 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 01/10/2018 |
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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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 →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 | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 18/02/2026 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 29/07/2022 | — | |
| outstanding | Belmont Green Finance Trading as Vida Homeloans Belmont Green Finance Limited Trading as Vida Homeloans | A registered charge | 1 property | 29/03/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 2 properties | 17/03/2022 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 20/03/2020 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 06/09/2019 | — | |
| satisfied | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 05/08/2019 | 01/08/2022 |