A & E APARTMENTS LTD
🏛️Establishedactive
12540804 · ltd · incorporated 2020-03-31
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 Mar 2025
Net worth
—
book net assets
Opportunity
66/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 66/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
11 live charges · 5 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.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
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
74
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 · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (41 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-15➖POPAT, Bharat resigneddirector
- 2025-07-15➖POPAT, Mahesh resigneddirector
- 2025-07-14🔒Charge registered #11Lender: Commercial Acceptances Limited
- 2025-07-14🔒Charge registered #10Lender: Commercial Acceptances Limited
- 2025-06-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-29➕POPAT, Bharat appointeddirector
- 2025-05-29➕POPAT, Mahesh appointeddirector
- 2025-02-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-27🔒Charge registered #9Lender: Commercial Acceptances Limited
- 2025-02-27🔒Charge registered #8Lender: Commercial Acceptances Limited
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-02🔓Charge satisfied #7
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-16🔒Charge registered #7Lender: Michael Derek Gurney & Caroline Ann Gurney
- 2022-09-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-28🔒Charge registered #6Lender: Shawbrook Bank Limited
- 2022-04-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-04-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-04-06🔓Charge satisfied #2
- 2022-04-06🔓Charge satisfied #1
- 2022-02-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-22🔒Charge registered #5Lender: Keystone Property Finance Limited
- 2021-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-28🔒Charge registered #4Lender: Commercial Acceptances Limited
- 2021-06-28🔒Charge registered #3Lender: Commercial Acceptances Limited
- 2020-12-02🔒Charge registered #2Lender: Cpf One Limited
- 2020-12-02🔒Charge registered #1Lender: Cpf One Limited
- 2020-03-31🏢Company incorporatedAs A & E APARTMENTS LTD
- 2020-03-31➕O'SULLIVAN, Ellis appointeddirector
- 2020-03-31➕PROWSE, Aaron appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
8 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 |
|---|---|---|---|---|
Mr Ellis O'Sullivan Individual · British · DOB 07/1992 · age 34 | 25–50% | — | 25-50% shares | 16/09/2020 |
Mr Aaron Prowse Individual · British · DOB 04/1993 · age 33 | 25–50% | — | 25-50% shares | 16/09/2020 |
1 historic (ceased) PSC
- A & E Property Ltdceased 16/09/2020· 75-100% shares
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 · CT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & E PROPERTY LTD→ 10193628 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A.E.M. PROPERTY DEVELOPERS LIMITED→ 00677134 · est 1960 · no financials extracted | — | — | — | — | 65y | — | — |
| A&E GROUP PROPERTIES LTD→ 16822231 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AARDVARK ESTATES LIMITED→ 06267406 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ABBEY PARK (FAVERSHAM) LIMITED→ 07586375 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| ABBEY ROAD DEVELOPMENTS (KENT) LIMITED→ 03271570 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| ABBOTT BROS.(KENT),LIMITED→ 00178420 · est 1921 · no financials extracted | — | — | — | — | 104y | — | — |
| ABBOTT REAL ESTATES LTD→ 15575762 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ABCORE REAL ESTATE LIMITED→ 15997900 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABEL & MILES LTD→ 14433507 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABEL AND MILES BUSINESS HOLDINGS LIMITED→ 15192116 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABEL AND MILES ENTERPRISE HOLDINGS LTD→ 15192115 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2020-03-31
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
6-7 Cecil Square
Margate
Kent
CT9 1BD
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-30
Last: 2025-09-16
Officers (2 active · 2 resigned)
O'SULLIVAN, Ellis→
Activedirector · ~34y · appointed 2020-03-31
View their other companies + combined net worth →
PROWSE, Aaron→
Activedirector · ~33y · appointed 2020-03-31
View their other companies + combined net worth →
POPAT, Bharat→
Resigneddirector · ~59y · appointed 2025-05-29 · resigned 2025-07-15
POPAT, Mahesh→
Resigneddirector · ~64y · appointed 2025-05-29 · resigned 2025-07-15
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
8
Outstanding
3
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Commercial Acceptances Commercial Acceptances Limited | A registered charge | — | 14/07/2025 | — | |
| outstanding | Commercial Acceptances Commercial Acceptances Limited | A registered charge | 1 property | 14/07/2025 | — | |
| outstanding | Commercial Acceptances Commercial Acceptances Limited | A registered charge | 1 property | 27/02/2025 | — | |
| outstanding | Commercial Acceptances Commercial Acceptances Limited | A registered charge | — | 27/02/2025 | — | |
| satisfied | Michael Derek Gurney & Caroline Ann Gurney | A registered charge | 1 property | 16/11/2022 | 02/07/2024 | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/09/2022 | — | |
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 1 property | 22/02/2022 | — | |
| outstanding | Commercial Acceptances Commercial Acceptances Limited | A registered charge | 1 property | 28/06/2021 | — | |
| outstanding | Commercial Acceptances Commercial Acceptances Limited | A registered charge | 1 property | 28/06/2021 | — | |
| satisfied | Cpf One Cpf One Limited | A registered charge | 1 property | 02/12/2020 | 06/04/2022 | |
| satisfied | Cpf One Cpf One Limited | A registered charge | 1 property | 02/12/2020 | 06/04/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (33 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-23
termination-director-company-with-name-termination-date
officers · TM01
2025-07-22
termination-director-company-with-name-termination-date
officers · TM01
2025-07-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-16
appoint-person-director-company-with-name-date
officers · AP01
2025-06-02
appoint-person-director-company-with-name-date
officers · AP01
2025-06-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-20