1881 PROPERTIES LIMITED
- 68209Other letting and operating of own or leased real estate
Opportunity 64/100 (worth a look), 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. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
12 live charges · 6 lenders · oldest 4.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.5 years — mid-life; refi window approaching.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|
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 mortgage
- • 1 accounts
- • 6 mortgage
- • 1 accounts
Corporate timeline (37 events)Click to expand
- 2026-03-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-02-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-02🔓Charge satisfied #8
- 2026-01-30🔒Charge registered #12Lender: Godiva Mortgages Limited
- 2025-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-18🔒Charge registered #11Lender: Godiva Mortgages Limited
- 2025-12-18🔓Charge satisfied #7
- 2025-11-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-21🔒Charge registered #10Lender: Godiva Mortgages Limited
- 2025-11-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-10🔒Charge registered #9Lender: Godiva Mortgages Limited
- 2024-10-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-19🔒Charge registered #8Lender: Onesavings Bank PLC
- 2024-01-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-17🔒Charge registered #7Lender: Aldermore Bank PLC
- 2024-01-03📄resolutionresolution · RESOLUTIONS
- 2024-01-03📄memorandum-articlesincorporation · MA
- 2023-12-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-02🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2023-01-24📄resolutionresolution · RESOLUTIONS
- 2023-01-23📄memorandum-articlesincorporation · MA
- 2022-08-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-10🔒Charge registered #5Lender: Charter Court Financial Services LTD T/a Precise Mortgages
- 2022-05-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-11🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2022-04-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-08🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2022-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-15🔒Charge registered #2Lender: Pepper Money Limited (Trading as Pepper Money)
- 2021-11-10🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2020-07-03🏢Company incorporatedAs 1881 PROPERTIES LIMITED
- 2020-07-03➕O'BYRNE, Jonathan David 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 6 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
2 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-30: A registered charge; 2025-12-18: A registered charge; 2025-11-21: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jonathan David O'Byrne Individual · English · DOB 10/1983 · age 43 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/07/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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9 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 | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 30/01/2026 | — | |
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 18/12/2025 | — | |
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 21/11/2025 | — | |
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 10/11/2025 | — | |
| satisfied | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 19/01/2024 | 02/02/2026 | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 17/01/2024 | 18/12/2025 | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 02/06/2023 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services LTD T/a Precise Mortgages | A registered charge | 1 property | 10/06/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 11/05/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 08/04/2022 | — | |
| outstanding | Pepper Money (Trading as Pepper Money) Pepper Money Limited (Trading as Pepper Money) | A registered charge | 1 property | 15/12/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 10/11/2021 | — |