BEDS AND BLANKETS PROPERTY LTD
🏛️Establishedactive
13265073 · ltd · incorporated 2021-03-15
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 5.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-36.5k
book net assets
Opportunity
79/100
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
- 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 79/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 5.0y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~5.0 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 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
Network not yet resolved
30
Filing history
12 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.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Negative net assets
Liabilities exceed assets by £36,472
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£36k
↓ 154% YoY
Current Assets
£8k
↓ 55% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £331.0k | £183.6k |
| Current assets | £7.6k | £16.8k |
| Cash | — | £6.7k |
| Debtors | — | £10.1k |
| Net assets | £-36.5k | £-14.4k |
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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
- 2025-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-02🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2023-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-05🔒Charge registered #1Lender: Paragon Bank PLC
- 2021-03-15🏢Company incorporatedAs BEDS AND BLANKETS PROPERTY LTD
- 2021-03-15➕GAY, Celia Kim appointeddirector
- 2021-03-15➕GAY, Hugh Richard appointeddirector
- 2021-03-15📄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 65 — succession pressure is live.
- +No director turnover: Company is 5 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 65. 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 |
|---|---|---|---|---|
Mrs Celia Kim Gay Individual · British · DOB 03/1961 · age 65 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 15/03/2021 |
Mr Hugh Richard Gay Individual · British · DOB 06/1961 · age 65 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 15/03/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| AVALON MOTOR SERVICES LIMITED→ 02297309 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
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| BANWELL HOUSE PROPERTY LIMITED→ 11361812 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BATH SIGNATURE HOLIDAYS LTD→ 17102627 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BATTERSEA PARK PROPERTIES LTD→ 12117539 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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| BEACHROCK (CONSULTANCY) LIMITED→ 12902937 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BEAVEN PROPERTY LIMITED→ 11738919 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BEAZER PROPERTY MANAGEMENT LIMITED→ 13392969 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BEC PROFESSIONAL SERVICES LTD→ 14268539 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BECKERY PROPERTIES LIMITED→ 05115393 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| BEDWAS COURT MANAGEMENT COMPANY LIMITED→ 05660208 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
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
Incorporated2021-03-15
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Park Farm
Newton St. Loe
Bath
Somerset
BA2 9JA
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-15
Last: 2026-02-01
Officers (2 active · 0 resigned)
GAY, Celia Kim→
Activedirector · ~65y · appointed 2021-03-15
View their other companies + combined net worth →
GAY, Hugh Richard→
Activedirector · ~65y · appointed 2021-03-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 02/04/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 05/08/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (12 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-06
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-08-19
incorporation-company
incorporation · NEWINC
2021-03-15