A & S PROPERTIES (MIDLANDS) LIMITED
🌿Early-stageactive
13674504 · ltd · incorporated 2021-10-12
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 Sept 2024
Net worth
—
book net assets
Opportunity
69/100
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. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 52/100. 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 (58/100).
🏦
Refinance opportunity
8 live charges · 3 lenders · oldest 4.5y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.5 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: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 |
|---|---|
| Average employees | 0 |
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 (35 events)Click to expand
- 2025-07-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-06-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-01-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-29🔒Charge registered #8Lender: Cambridge & Counties Bank Limited
- 2024-01-29🔒Charge registered #7Lender: Cambridge & Counties Bank Limited
- 2024-01-29🔓Charge satisfied #6
- 2024-01-29🔓Charge satisfied #5
- 2023-10-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-04📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-04-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-31🔒Charge registered #6Lender: Together Commercial Finance Limited
- 2023-03-31🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2022-12-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-12-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-12-23🔓Charge satisfied #4
- 2022-12-23🔓Charge satisfied #3
- 2022-04-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-01🔒Charge registered #4Lender: Charles Street Commercial Investments Limited
- 2022-04-01🔒Charge registered #3Lender: Charles Street Commercial Investments Limited
- 2022-01-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-01-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-12-23🔒Charge registered #2Lender: Cambridge & Counties Bank Limited
- 2021-12-23🔒Charge registered #1Lender: Cambridge & Counties Bank Limited
- 2021-11-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-10-12🏢Company incorporatedAs A & S PROPERTIES (MIDLANDS) LIMITED
- 2021-10-12➕FITTON, Simon Oliver appointeddirector
- 2021-10-12➕LYONS, Alexander David appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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.
Group structure
2 corporate shareholders identified. Group structure is distributed.
🏛️significant stake
Fitton Holdings Limited
Corporate parent · holds 25-50% shares
🏛️significant stake
Remko Holdings Limited
Corporate parent · holds 25-50% shares
⬇
A & S PROPERTIES (MIDLANDS) LIMITED
This company · 13674504
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Fitton Holdings Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting · firm interest | 27/10/2021 |
Remko Holdings Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting · firm interest | 27/10/2021 |
2 historic (ceased) PSCs
- Mr Simon Oliver Fittonceased 27/10/2021· 25-50% shares · 25-50% voting
- Mr Alexander David Lyonsceased 27/10/2021· 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 · HG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALBERT ARTHUR PROPERTIES LTD→ 13493187 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALDERSON INVESTCO PROPERTIES LIMITED→ 13223664 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AMADO HOMES LTD→ 11563096 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AMBLER PROPERTIES LTD→ 16775179 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANDERSON DOUGLAS LTD→ 15786488 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANDREW FOSTER INVESTMENTS LIMITED→ 11686711 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| APOLLO CAPITAL ASSET HOLDINGS LTD→ 17068150 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ARMAILLIS LIMITED→ 11709874 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARMITAGE HOUSE LTD→ 15944431 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARMV PROPERTY LTD→ 13263587 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ARNETT FIC LIMITED→ 13488113 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ARNETT FIC TWO LTD→ 13771312 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2021-10-12
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
3 Greengate Cardale Park
Harrogate
North Yorkshire
HG3 1GY
Filing status
Accounts
Next due: 2026-06-27
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-11-30
Last: 2025-11-16
Officers (2 active · 0 resigned)
FITTON, Simon Oliver→
Activedirector · ~50y · appointed 2021-10-12
View their other companies + combined net worth →
LYONS, Alexander David→
Activedirector · ~48y · appointed 2021-10-12
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
4
Outstanding
1
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Cambridge & Counties Cambridge & Counties Bank Limited | A registered charge | 2 properties | 29/01/2024 | — | |
| outstanding | Cambridge & Counties Cambridge & Counties Bank Limited | A registered charge | — | 29/01/2024 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 31/03/2023 | 29/01/2024 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 31/03/2023 | 29/01/2024 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 01/04/2022 | 23/12/2022 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 01/04/2022 | 23/12/2022 | |
| outstanding | Cambridge & Counties Cambridge & Counties Bank Limited | A registered charge | 2 properties | 23/12/2021 | — | |
| outstanding | Cambridge & Counties Cambridge & Counties Bank Limited | A registered charge | 1 property | 23/12/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (29 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-01
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-09-26
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-06-26
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
2024-01-30
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-29
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-04
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-07-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-04-03