A&I HUMPHREY PROPERTY LTD
🏛️Establishedactive
11635641 · ltd · incorporated 2018-10-22
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 2025
Net worth
—
book net assets
Opportunity
69/100
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
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
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
6 live charges · 4 lenders · oldest 5.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.6 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)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
6 charges (6/6 with lender, 6/6 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
1 connected companies via shared directors
48
Filing history
25 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Average employees | 200 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-07-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-10-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-01🔒Charge registered #6Lender: The Mortgage Lender Limited
- 2025-07-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-17🔒Charge registered #5Lender: Paragon Bank PLC
- 2023-03-17🔒Charge registered #4Lender: Paragon Bank PLC
- 2022-09-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-24🔒Charge registered #3Lender: Charter Court Financial Services Limited
- 2022-06-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-02-26🔒Charge registered #2Lender: Onesavings Bank PLC
- 2021-01-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-01-05🔒Charge registered #1Lender: Onesavings Bank PLC
- 2020-08-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-08-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-08-10📄withdrawal-of-the-directors-residential-address-register-information-from-the-public-registerofficers · EW02
- 2020-08-10📄elect-to-keep-the-directors-residential-address-register-information-on-the-public-registerofficers · EH02
- 2020-06-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-10-22🏢Company incorporatedAs A&I HUMPHREY PROPERTY LTD
- 2018-10-22➕HUMPHREY, Adam John Cyril appointeddirector
- 2018-10-22➕HUMPHREY, Ikue appointeddirector
- 2018-10-22📄incorporation-companyincorporation · NEWINC
Owner dependency
86/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "HUMPHREY" — strong identity link between founder and business.
- +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 signalLimited 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 low6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Ikue Humphrey Individual · Japanese · DOB 08/1979 · age 47 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/10/2018 |
Mr Adam John Cyril Humphrey Individual · British · DOB 02/1983 · age 43 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/10/2018 |
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 →Similar companies
Active · Property · MK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A HABIB PROPERTIES LTD→ 16015207 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A J R INVESTMENTS CORPORATION LTD→ 12315711 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A&J HOUSING LIMITED→ 15647859 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| A&J RENTAL PROPERTIES LIMITED→ 15603520 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ABCV LTD→ 14820081 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADDICTIVE PROPERTIES LIMITED→ 12213819 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADJUST TO PROPERTIES LTD→ 13653244 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ADMIRAL NGU LTD→ 16165429 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ADVANCE REAL ESTATES LTD→ 13525905 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ADVANCEA LIMITED→ 01519187 · est 1980 · no financials extracted | — | — | — | — | 45y | — | — |
| AF PROPERTY DEVELOPMENTS LIMITED→ 15708680 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AFC INVESTMENTS LIMITED→ 13433429 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2018-10-22
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Beech Cottage 3 School Lane
Loughton
Milton Keynes
Buckinghamshire
MK5 8AT
England
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-10-21
Last: 2025-10-07
Officers (2 active · 0 resigned)
HUMPHREY, Adam John Cyril→
Activedirector · ~43y · appointed 2018-10-22
View their other companies + combined net worth →
HUMPHREY, Ikue→
Activedirector · ~47y · appointed 2018-10-22
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
6
Outstanding
4
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 01/10/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 17/03/2023 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 17/03/2023 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 24/08/2022 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 26/02/2021 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 05/01/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (25 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-07-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-07
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-09-01
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-07
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-07