103 MILTON STREET LTD
Opportunity 70/100 (strong), bankability 67/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 6.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.5 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (75/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-02-28 |
|---|---|
| Total assets | £150.5k |
| Current assets | £45.1k |
| Net assets | £-26.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 2 accounts
- • 1 mortgage
- • 1 confirmation-statement
- • 3 accounts
- • 1 mortgage
- • 1 confirmation-statement
Corporate timeline (26 events)Click to expand
- 2026-03-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-23🔓Charge satisfied #2
- 2026-03-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-02-22📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-11-25📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-02-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-08-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-09🔒Charge registered #3Lender: Birmingham Bank Limited
- 2024-08-01📄resolutionresolution · RESOLUTIONS
- 2024-01-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-11-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-20🔓Charge satisfied #1
- 2022-08-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-22🔒Charge registered #2Lender: Lendinvest Btl Limited
- 2022-02-03📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-02-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-01📄gazette-notice-compulsorygazette · GAZ1
- 2021-04-28📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-04-27📄gazette-notice-compulsorygazette · GAZ1
- 2021-04-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-26🔒Charge registered #1Lender: Onesavings Bank PLC
- 2019-02-22🏢Company incorporatedAs 103 MILTON STREET LTD
- 2019-02-22➕FINK, Shlomo 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.
- +No director turnover: Company is 7 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 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Shlomo Fink Individual · British · DOB 01/1988 · age 38 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/02/2019 |
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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|---|---|---|---|---|---|---|---|
| 1 PRESTON LIMITED→ 14384486 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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| 142 WARLEY HILL LIMITED→ 17056138 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 15 SUN ST MANAGEMENT LIMITED→ 17073018 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 150 LEADENHALL STREET NOMINEES LIMITED→ 01336496 · est 1977 · no financials extracted | — | — | — | — | 48y | — | — |
| 154 YORK ROAD LTD→ 13144096 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
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 →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 | Birmingham Bank Birmingham Bank Limited | A registered charge | 2 properties | 09/08/2024 | — | |
| satisfied | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 22/04/2022 | 23/03/2026 | |
| satisfied | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 26/11/2019 | 20/11/2023 |