123 PROPERTY LIMITED
🏛️Establishedactive
12856999 · ltd · incorporated 2020-09-03
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 5.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 66-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 5.5y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)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
1 charges (1/1 with lender, 1/1 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
2 connected companies via shared directors
51
Filing history
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
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 · IFRS| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Average employees | 200 | 200 |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
- 2025-06-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-12-11🔒Charge registered #1Lender: Paratus Amc Limited
- 2020-09-04📄change-person-director-company-with-change-dateofficers · CH01
- 2020-09-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-09-03🏢Company incorporatedAs 123 PROPERTY LIMITED
- 2020-09-03➕FINLAY, Jonathan Stewart appointeddirector
- 2020-09-03➕MAGUIRE, Esther Anita Caroline appointeddirector
- 2020-09-03📄incorporation-companyincorporation · NEWINC
Owner dependency
78/100
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.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jonathan Stewart Finlay Individual · British · DOB 06/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/09/2020 |
Ms Esther Anita Caroline Maguire Individual · British · DOB 12/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/09/2020 |
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 · GU postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1 WARD STREET LTD→ 13221283 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 345 PROPERTIES LIMITED→ 15149610 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 43 UPPER PARK MANAGEMENT LIMITED→ 04315704 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| 58 DISRAELI ROAD LIMITED→ 12813200 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 62 PONT STREET (FREEHOLD) LIMITED→ 05619817 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| 6HW LIMITED→ 13594316 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A.B.L. STRUCTURAL PROJECTS LIMITED→ 01346787 · est 1978 · no financials extracted | — | — | — | — | 48y | — | — |
| AAG OWL PROPERTIES LIMITED→ 16291720 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AAMS ESTATE LIMITED→ 16250342 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AAR PROPERTIES LTD→ 14698030 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AARGO HOMES LTD→ 17068926 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AARNE LTD→ 15026560 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2020-09-03
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
123 Sussex Road
Petersfield
Hampshire
GU31 4LB
United Kingdom
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-17
Last: 2025-09-03
Officers (2 active · 0 resigned)
FINLAY, Jonathan Stewart→
Activedirector · ~66y · appointed 2020-09-03
View their other companies + combined net worth →
MAGUIRE, Esther Anita Caroline→
Activedirector · ~60y · appointed 2020-09-03
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 11/12/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (14 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-05
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2020-09-04
change-person-director-company-with-change-date
officers · CH01
2020-09-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-09-04
incorporation-company
incorporation · NEWINC
2020-09-03