79 UPTON ROAD LTD
🏛️Establishedactive
12708874 · ltd · incorporated 2020-07-01
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 Jul 2025
Net worth
£65.7k
book net assets
Opportunity
71/100
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 71/100 (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. 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
7 live charges · 5 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.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)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
7 charges (7/7 with lender, 7/7 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
28 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
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £65,675
Cash YoY
+101%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£8k
↑ 101% YoY
Net Worth
£66k
↑ 226% YoY
Current Assets
£8k
↑ 109% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £488.4k | £129.4k |
| Current assets | £7.9k | £3.8k |
| Cash | £7.6k | £3.8k |
| Debtors | £300 | — |
| Net assets | £65.7k | £-52.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
1
filing
- • 1 accounts
Last 180 days
4
filings
- • 1 accounts
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-22📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-04-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-02-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-06🔓Charge satisfied #6
- 2024-02-06🔓Charge satisfied #5
- 2024-01-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-26🔒Charge registered #7Lender: Lendinvest Btl Limited
- 2023-09-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-29🔒Charge registered #6Lender: Hbb Bridging Loans LTD
- 2023-09-29🔒Charge registered #5Lender: Hbb Bridging Loans LTD
- 2023-09-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-09-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-09-13🔓Charge satisfied #3
- 2023-09-13🔓Charge satisfied #2
- 2023-07-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-17🔒Charge registered #4Lender: Paragon Bank PLC
- 2023-04-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-17🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2022-08-17🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2022-03-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-23🔓Charge satisfied #1
- 2020-09-21🔒Charge registered #1Lender: Aldermore Bank PLC
- 2020-07-01🏢Company incorporatedAs 79 UPTON ROAD LTD
- 2020-07-01➕ROGER, Alice Frances appointeddirector
- 2020-07-01➕ROGER, Joshua James 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +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 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Joshua James Roger Individual · British · DOB 07/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/07/2020 |
Mrs Alice Frances Roger Individual · British · DOB 03/1990 · age 36 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/07/2020 |
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 · TN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 63 HIGH STREET LTD→ 13134825 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 65 UPPER GROSVENOR ROAD LTD→ 14230821 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 78C HIGH STREET TONBRIDGE LTD→ 14241714 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 7OAKS COUNSELLING LIMITED→ 13271268 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 8 GROVE AVENUE LIMITED→ 04242622 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| 8 LETTER PROPERTIES LTD→ 16700709 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 8 STADIUM STREET LTD→ 13555607 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 80 ACRE LIMITED→ 12323400 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 80 LAWRIE PARK ROAD LIMITED→ 03681917 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| 8225 LIMITED→ 12837521 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 84/86 UPPER GROSVENOR RESIDENTS COMPANY LIMITED→ 03452387 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| 8567 LIMITED→ 08825426 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2020-07-01
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Treetops Boarmans Lane
Brookland
Romney Marsh
Kent
TN29 9QU
United Kingdom
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-02-05
Last: 2026-01-22
Officers (2 active · 0 resigned)
ROGER, Alice Frances→
Activedirector · ~36y · appointed 2020-07-01
View their other companies + combined net worth →
ROGER, Joshua James→
Activedirector · ~38y · appointed 2020-07-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
2
Outstanding
2
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 26/01/2024 | — | |
| satisfied | Hbb Bridging Loans Hbb Bridging Loans LTD | A registered charge | — | 29/09/2023 | 06/02/2024 | |
| satisfied | Hbb Bridging Loans Hbb Bridging Loans LTD | A registered charge | 1 property | 29/09/2023 | 06/02/2024 | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 17/07/2023 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 17/08/2022 | 13/09/2023 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 17/08/2022 | 13/09/2023 | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 21/09/2020 | 23/06/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (28 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-23
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-22
change-person-director-company-with-change-date
officers · CH01
2026-01-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-22
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-09
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-04-18
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-06
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-29