AJ PROPERTY WINDERMERE LIMITED
🏛️Establishedactive
12679520 · ltd · incorporated 2020-06-18
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
£-132.5k
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68320Management of real estate on a fee or contract basis
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 70/100 (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. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
15 live charges · 7 lenders · oldest 2.2y
0/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.2 years old — likely still in initial term.
- · 7 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)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
15 charges (15/15 with lender, 15/15 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £132,501
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£133k
↓ 178% YoY
Current Assets
£361k
↑ 39% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £-131.1k | £-46.3k |
| Current assets | £360.8k | £258.8k |
| Net assets | £-132.5k | £-47.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
- 2026-04-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-01🔒Charge registered #15Lender: Aldermore Bank PLC
- 2025-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-12-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-10🔒Charge registered #14Lender: Landbay Partners Limited
- 2025-10-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-10🔒Charge registered #13Lender: Hope Capital 3 Limited
- 2025-10-10🔒Charge registered #12Lender: Hope Capital 3 Limited
- 2025-10-08📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-23🔒Charge registered #11Lender: Hope Capital 3 Limited
- 2025-05-23🔒Charge registered #10Lender: Hope Capital 3 Limited
- 2025-05-23🔒Charge registered #9Lender: Hope Capital 2 Limited
- 2025-05-23🔒Charge registered #8Lender: Hope Capital 2 Limited
- 2025-02-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-27🔓Charge satisfied #2
- 2025-02-27🔓Charge satisfied #1
- 2025-02-26🔒Charge registered #7Lender: The Mortgage Lender Limited
- 2025-02-26🔒Charge registered #6Lender: The Mortgage Lender Limited
- 2024-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-22🔒Charge registered #5Lender: Shawbrook Bank Limited
- 2024-11-22🔒Charge registered #4Lender: Shawbrook Bank Limited
- 2024-08-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-28🔒Charge registered #3Lender: Quantum Mortgages Limited
- 2024-05-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-02🔒Charge registered #2Lender: Shawbrook Bank Limited
- 2024-04-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-19🔒Charge registered #1Lender: Shawbrook Bank Limited
- 2024-03-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-21📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2020-06-18🏢Company incorporatedAs AJ PROPERTY WINDERMERE LIMITED
- 2020-06-18➕ASHDOWN, Samantha Jayne appointeddirector
- 2020-06-18➕JONES, Phillip John appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 med · 1 low4 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-04-01: A registered charge; 2025-12-10: A registered charge; 2025-10-10: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
13 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
The Aj Group Windermere Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
The Aj Group Windermere Ltd
Corporate parent · holds 75-100% shares · board control
⬇
AJ PROPERTY WINDERMERE LIMITED
This company · 12679520
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
The Aj Group Windermere Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/10/2020 |
2 historic (ceased) PSCs
- Mr Phillip John Jonesceased 19/10/2020· 25-50% shares · 25-50% voting · board control
- Miss Samantha Jayne Ashdownceased 19/10/2020· 25-50% shares · 25-50% voting · board control
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
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|---|---|---|---|---|---|---|---|
| AL LETTING LTD→ 16399878 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALEXANDRA ROAD MANAGEMENT COMPANY (MORECAMBE) LIMITED→ 14675841 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ALEXM PROJECT MANAGEMENT SERVICES LTD→ 11179901 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AMBANE LTD→ 16421222 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMBLESIDE ASSEMBLY ROOMS COMPANY LIMITED→ 00038357 · est 1893 · no financials extracted | — | — | — | — | 133y | — | — |
| AMBOYA LIMITED→ 02906267 · est 1994 · no financials extracted | — | — | — | — | 32y | — | — |
| AMRO AND SONS PROPERTIES LIMITED→ 15115382 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANCESTRAL PROPERTY LIMITED→ 15579087 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ANDREW TAMBLIN LIMITED→ 05759773 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| ANNE BROCKBANK PROPERTIES LIMITED→ 16805146 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| APPLEGROVE LONDON LTD→ 09954049 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
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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
Incorporated2020-06-18
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
1c Low Cleabarrow Business Centre
Windermere
Cumbria
LA23 3FA
England
Filing status
Accounts
Next due: 2026-12-30
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-15
Last: 2025-11-01
Officers (2 active · 0 resigned)
ASHDOWN, Samantha Jayne→
Activedirector · ~58y · appointed 2020-06-18
View their other companies + combined net worth →
JONES, Phillip John→
Activedirector · ~34y · appointed 2020-06-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
15
Total charges
13
Outstanding
7
Active lenders
Status:Lender:15 of 15 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 4 properties | 01/04/2026 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 10/12/2025 | — | |
| outstanding | Hope Capital 3 Hope Capital 3 Limited | A registered charge | 1 property | 10/10/2025 | — | |
| outstanding | Hope Capital 3 Hope Capital 3 Limited | A registered charge | 1 property | 10/10/2025 | — | |
| outstanding | Hope Capital 3 Hope Capital 3 Limited | A registered charge | 1 property | 23/05/2025 | — | |
| outstanding | Hope Capital 3 Hope Capital 3 Limited | A registered charge | 1 property | 23/05/2025 | — | |
| outstanding | Hope Capital 2 Hope Capital 2 Limited | A registered charge | 1 property | 23/05/2025 | — | |
| outstanding | Hope Capital 2 Hope Capital 2 Limited | A registered charge | 1 property | 23/05/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 26/02/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 26/02/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 22/11/2024 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 22/11/2024 | — | |
| outstanding | Quantum Mortgages Quantum Mortgages Limited | A registered charge | 1 property | 28/08/2024 | — | |
| satisfied | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 02/05/2024 | 27/02/2025 | |
| satisfied | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 19/04/2024 | 27/02/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (43 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-13
change-person-director-company-with-change-date
officers · CH01
2025-10-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-02-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-02-27