CHARM PROPERTY LTD

🏛️Establishedactive
11607261 · ltd · incorporated 2018-10-05
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 2024
Net worth
£-87.8k
book net assets
Opportunity
67/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 67/100 (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: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

24 live charges · 4 lenders · oldest 7.5y

35/100
too messy

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

  • · Oldest live charge is 7.5 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (74/100)

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

Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
80 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
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
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Negative net assets
Liabilities exceed assets by £87,821

Key financials

1 year extracted from filed iXBRL accounts
Cash
£38k
Net Worth
-£88k
Current Assets
£38k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-10-31
Total assets£442.7k
Current assets£38.1k
Cash£38.1k
Debtors£2
Net assets£-87.8k

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
0
filings
Counts from Companies House filing history.
Corporate timeline (67 events)Click to expand
  1. 2025-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2025-04-29
    🔓
    Charge satisfied #24
  4. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2025-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2025-03-31
    🔓
    Charge satisfied #17
  21. 2025-03-31
    🔓
    Charge satisfied #16
  22. 2025-03-31
    🔓
    Charge satisfied #15
  23. 2025-03-31
    🔓
    Charge satisfied #13
  24. 2025-03-31
    🔓
    Charge satisfied #12
  25. 2025-03-31
    🔓
    Charge satisfied #10
  26. 2025-03-31
    🔓
    Charge satisfied #11
  27. 2025-03-31
    🔓
    Charge satisfied #9
  28. 2025-03-31
    🔓
    Charge satisfied #8
  29. 2025-03-31
    🔓
    Charge satisfied #5
  30. 2025-03-31
    🔓
    Charge satisfied #7
  31. 2025-03-31
    🔓
    Charge satisfied #6
  32. 2025-03-31
    🔓
    Charge satisfied #4
  33. 2025-03-31
    🔓
    Charge satisfied #3
  34. 2025-03-31
    🔓
    Charge satisfied #2
  35. 2025-03-31
    🔓
    Charge satisfied #1
  36. 2024-12-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  37. 2024-12-17
    📄
    administrative-restoration-company
    restoration · RT01
  38. 2024-11-19
    📄
    gazette-dissolved-compulsory
    gazette · GAZ2
  39. 2024-08-07
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  40. 2024-07-30
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  41. 2020-11-26
    🔒
    Charge registered #22
    Lender: Charter Court Financial Services Limited
  42. 2020-09-25
    🔒
    Charge registered #24
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  43. 2020-09-25
    🔒
    Charge registered #23
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  44. 2020-02-10
    🔒
    Charge registered #21
    Lender: Charter Court Financial Services Limited
  45. 2020-02-10
    🔒
    Charge registered #20
    Lender: Charter Court Financial Services Limited
  46. 2019-11-19
    🔒
    Charge registered #17
    Lender: Together Commercial Finance Limited
  47. 2019-11-19
    🔒
    Charge registered #16
    Lender: Together Commercial Finance Limited
  48. 2019-11-12
    🔒
    Charge registered #19
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  49. 2019-11-12
    🔒
    Charge registered #18
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  50. 2019-11-12
    🔒
    Charge registered #15
    Lender: Together Commercial Finance Limited
Showing most recent 50 of 67 events

Owner dependency

71/100
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.
  • +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.

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

1 med · 1 low
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.

7 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
Mrs Claire Campbell Young
Individual · British · DOB 09/1984 · age 42
25–50%
—25-50% shares05/10/2018
Mr Andrew Sanderson Young
Individual · British · DOB 06/1984 · age 42
25–50%
—25-50% shares05/10/2018

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

7 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
Incorporated2018-10-05
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

61 Bridge Street
Kington
Hereford
HR5 3DJ

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-18
Last: 2025-10-04

Officers (2 active · 0 resigned)

YOUNG, Andrew Sanderson→
director · ~42y · appointed 2018-10-05
View their other companies + combined net worth →
Active
YOUNG, Claire Campbell→
director · ~42y · appointed 2018-10-05
View their other companies + combined net worth →
Active

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

Mortgages & charges

24
Total charges
7
Outstanding
1
Active lenders
Status:Lender:24 of 24 shown
TypeProperties
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property26/11/2020—
satisfied
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property25/09/202029/04/2025
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property25/09/2020—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property10/02/2020—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property10/02/2020—
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property19/11/201931/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property19/11/201931/03/2025
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property12/11/2019—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property12/11/2019—
satisfied
Together Money
Together Commercial Finance Limited
A registered charge3 properties12/11/201931/03/2025
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property24/09/2019—
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property14/05/201931/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property03/05/201931/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property19/03/201931/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property18/03/201931/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property18/03/201931/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property04/12/201831/03/2025
satisfied
Together Money
Together Commercial Finance LTD
A registered charge1 property29/11/201831/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property19/11/201831/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property19/11/201831/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property16/11/201831/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property16/11/201831/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property08/11/201831/03/2025
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property08/11/201831/03/2025
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (80 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-29
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-29
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-31