BELFORD PROPERTY HOLDINGS LIMITED
🏛️Establishedactive
13468189 · ltd · incorporated 2021-06-21
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
—
book net assets
Opportunity
78/100
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 65-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (60/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
4 live charges · 3 lenders · oldest 3.7y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~3.7 years — mid-life; refi window approaching.
- · 3 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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
23 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
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 · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | — | £1.25M |
| Current assets | — | £11.5k |
| Cash | — | £750 |
| Debtors | — | £10.7k |
| Net assets | — | £-298.4k |
| Average employees | 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
5
filings
- • 2 officers
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-03-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-01-21📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-21📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-22🔒Charge registered #4Lender: Keystone Property Finance Limited
- 2025-06-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-17🔒Charge registered #3Lender: Contraxo LTD
- 2025-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-25➕SIMMONDS, Gary Doyle appointeddirector
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-01-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-04🔒Charge registered #2Lender: Moody Venture Capital LLP
- 2022-11-04🔒Charge registered #1Lender: Moody Venture Capital LLP
- 2022-01-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-01-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-01-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-01-01➖MILLER, Valerie Marie resigneddirector
- 2021-06-21🏢Company incorporatedAs BELFORD PROPERTY HOLDINGS LIMITED
- 2021-06-21➕SIMMONDS, Cheryl Sandra appointeddirector
- 2021-06-21➕MILLER, Valerie Marie appointeddirector
- 2021-06-21📄incorporation-companyincorporation · NEWINC
Owner dependency
81/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Cheryl Sandra Simmonds Individual · British · DOB 05/1964 · age 62 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/06/2021 |
1 historic (ceased) PSC
- Ms Valerie Marie Millerceased 01/01/2022· 25-50% shares · 25-50% voting
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 · CA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BC DEVELOPMENTS GROUP LTD→ 15622045 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BRANDAL HOME INVESTMENTS LIMITED→ 12951429 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BRANTWOOD PROPERTY (CUMBRIA) LTD→ 16000849 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BRICKOLINI LTD→ 13150737 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BROWN RICE PROPERTY LIMITED→ 14029290 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| BROWNELSON PROPERTIES LTD→ 04245892 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| BRUNSWICK APARTMENTS LIMITED→ 05459921 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| BUCHANAN PROPERTY DEVELOPMENTS (CUMBRIA) LIMITED→ 15664088 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CA4 PROPERTIES LTD→ 16459717 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CA5 ESTATES LTD→ 16516522 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CAIRN BECK MANAGEMENT LIMITED→ 11134345 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CAIRN MILL RTM COMPANY LIMITED→ 07791702 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2021-06-21
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Fifteen Rosehill Montgomery Way
Rosehill Estate
Carlisle
CA1 2RW
United Kingdom
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-01-26
Last: 2026-01-12
Officers (2 active · 1 resigned)
SIMMONDS, Cheryl Sandra→
Activedirector · ~62y · appointed 2021-06-21
View their other companies + combined net worth →
SIMMONDS, Gary Doyle→
Activedirector · ~65y · appointed 2024-06-25
View their other companies + combined net worth →
MILLER, Valerie Marie→
Resigneddirector · ~64y · appointed 2021-06-21 · resigned 2022-01-01
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
3
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 2 properties | 22/07/2025 | — | |
| outstanding | Contraxo Contraxo LTD | A registered charge | 1 property | 17/06/2025 | — | |
| outstanding | Moody Venture Capital Moody Venture Capital LLP | A registered charge | 1 property | 04/11/2022 | — | |
| outstanding | Moody Venture Capital Moody Venture Capital LLP | A registered charge | 1 property | 04/11/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (23 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-26
change-person-director-company-with-change-date
officers · CH01
2026-01-21
change-person-director-company-with-change-date
officers · CH01
2026-01-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-28
appoint-person-director-company-with-name-date
officers · AP01
2024-06-26
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-01-18
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-12