ALTO HOMES (HOLDINGS) LTD
🏛️Establishedactive
12693689 · ltd · incorporated 2020-06-24
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 Jun 2025
Net worth
£68.3k
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
- 68209Other letting and operating of own or leased real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
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. 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
10 live charges · 4 lenders · oldest 5.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.7 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 (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
10 charges (10/10 with lender, 10/10 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
4 connected companies via shared directors
57
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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
55
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £68,273
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£68k
Current Assets
£8k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 |
|---|---|
| Total assets | £562.8k |
| Current assets | £7.6k |
| Net assets | £68.3k |
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 confirmation-statement
Last 90 days
3
filings
- • 1 confirmation-statement
- • 1 mortgage
- • 1 accounts
Last 180 days
6
filings
- • 2 accounts
- • 1 confirmation-statement
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-05-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-30🔒Charge registered #10Lender: Paragon Bank PLC
- 2026-04-03📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2026-03-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-01-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-11🔒Charge registered #9Lender: Shawbrook Bank Limited
- 2023-11-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-15🔒Charge registered #8Lender: Shawbrook Bank Limited
- 2023-02-15🔒Charge registered #7Lender: Shawbrook Bank Limited
- 2023-02-14🔒Charge registered #6Lender: Shawbrook Bank Limited
- 2022-06-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-24🔒Charge registered #5Lender: Keystone Property Finance Limited
- 2022-03-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-08🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2021-11-08🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2021-06-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-04-20🔒Charge registered #2Lender: Shawbrook Bank Limited
- 2020-09-30🔒Charge registered #1Lender: Shawbrook Bank Limited
- 2020-07-16➕O'HARA, John Anthony appointeddirector
- 2020-06-24🏢Company incorporatedAs ALTO HOMES (HOLDINGS) LTD
- 2020-06-24➕DALTON, Daniel Robert appointeddirector
Owner dependency
63/100
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.
- +No director turnover: Company is 6 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 low10 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 Daniel Robert Dalton Individual · British · DOB 02/1982 · age 44 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 24/06/2020 |
Mr John Anthony O'Hara Individual · British · DOB 05/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 24/06/2020 |
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 · HD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A PHARMA & RENTALS LTD→ 14555070 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALTUM PROPERTIES MANAGEMENT LIMITED→ 12588834 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ALVARO HOMES REAL ESTATE LTD→ 16229444 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMAK PROPERTY LIMITED→ 14120766 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AMB PROPERTY SOLUTIONS LTD→ 16497167 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMELIA HANNA HOLDINGS LIMITED→ 14152059 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AMI BAXTER LIMITED→ 09263622 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ANGEL11 LTD→ 14492932 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ANJUM ESTATES LIMITED→ 15391664 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ANS ASSET MANAGEMENT LTD→ 14810938 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANSK PROPERTIES LTD→ 14038315 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ANTHONY JAMES UK LTD→ 13690766 · 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
Incorporated2020-06-24
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Martin House
2 Martin Street
Brighouse
HD6 1DA
United Kingdom
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-07-07
Last: 2026-06-23
Officers (2 active · 0 resigned)
DALTON, Daniel Robert→
Activedirector · ~44y · appointed 2020-06-24
View their other companies + combined net worth →
O'HARA, John Anthony→
Activedirector · ~48y · appointed 2020-07-16
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
10
Outstanding
4
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 30/04/2026 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 11/01/2024 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 15/02/2023 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 15/02/2023 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 14/02/2023 | — | |
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 1 property | 24/06/2022 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 08/11/2021 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 08/11/2021 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 20/04/2021 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 30/09/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (30 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-01
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2026-04-03
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-27
change-person-director-company-with-change-date
officers · CH01
2026-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-26
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-16