103 WARM HANDS LTD
🌿Early-stageactive
13743854 · ltd · incorporated 2021-11-15
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 3.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£-38.7k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 71/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
4 live charges · oldest 3.3y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.3 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · 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, 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
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
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £38,690
Cash YoY
-3%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£3k
↓ 3.5% YoY
Net Worth
-£39k
↓ 112% YoY
Current Assets
£3k
↓ 3.5% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £10.8k | £21.8k |
| Current assets | £3.2k | £3.3k |
| Cash | £3.0k | £3.2k |
| Debtors | £138 | £146 |
| Net assets | £-38.7k | £-18.3k |
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 (19 events)Click to expand
- 2025-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-16📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-08-12📄gazette-notice-compulsorygazette · GAZ1
- 2024-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-02🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2024-08-02🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2023-08-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-01-27🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2023-01-27🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2022-02-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-02-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-02-03➕MANNING, Dion appointeddirector
- 2021-11-15🏢Company incorporatedAs 103 WARM HANDS LTD
- 2021-11-15➕THOMAS, Kyle appointeddirector
- 2021-11-15📄incorporation-companyincorporation · NEWINC
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
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 Kyle Thomas Individual · British · DOB 03/1989 · age 37 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 15/11/2021 |
Mr Dion Manning Individual · British · DOB 03/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 15/11/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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
Incorporated2021-11-15
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
King Arthurs Court Maidstone Road Maidstone Road
Charing
Ashford
TN27 0JS
England
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-06
Last: 2025-11-22
Officers (2 active · 0 resigned)
MANNING, Dion→
Activedirector · ~41y · appointed 2022-02-03
View their other companies + combined net worth →
THOMAS, Kyle→
Activedirector · ~37y · appointed 2021-11-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 02/08/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 02/08/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 27/01/2023 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 27/01/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (17 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-29
gazette-filings-brought-up-to-date
gazette · DISS40
2025-08-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-14
gazette-notice-compulsory
gazette · GAZ1
2025-08-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-12
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-06
appoint-person-director-company-with-name-date
officers · AP01
2022-02-15