AD PROPERTY HOLDINGS LIMITED

🌿Early-stageactive
14013869 · ltd · incorporated 2022-03-30
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 Mar 2025
Net worth
£-20.9k
book net assets
Opportunity
66/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 66/100 (strong), bankability 52/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

16 live charges · 5 lenders · oldest 3.3y

25/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Charge age ~3.3 years — mid-life; refi window approaching.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — 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
16 charges (16/16 with lender, 16/16 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
4 connected companies via shared directors
57
Filing history
38 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
50
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
74
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 £20,881

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£21k
↓ 61% YoY
Current Assets
£3k
↑ 72% YoY
Current Liabilities
—
-£21k-£16k-£11k-£7k-£2k£3kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£1.24M£653.2k
Current assets£2.8k£1.6k
Net assets£-20.9k£-13.0k

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
1
filing
  • • 1 mortgage
Last 180 days
6
filings
  • • 2 officers
  • • 2 persons-with-significant-control
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
  1. 2026-04-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-04-30
    🔒
    Charge registered #16
    Lender: The Mortgage Lender Limited
  3. 2026-02-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2026-02-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2026-02-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2026-02-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2025-12-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2025-08-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2025-07-31
    🔒
    Charge registered #15
    Lender: The Mortgage Works (UK) PLC
  10. 2025-07-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2025-07-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2025-07-15
    🔒
    Charge registered #14
    Lender: Paragon Bank PLC
  13. 2025-07-15
    🔒
    Charge registered #13
    Lender: Paragon Bank PLC
  14. 2025-06-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2025-06-05
    🔒
    Charge registered #12
    Lender: The Mortgage Works (UK) PLC
  16. 2025-05-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2025-05-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2025-05-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2025-05-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2025-05-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2025-04-29
    🔒
    Charge registered #11
    Lender: Paragon Bank PLC
  22. 2025-04-22
    🔒
    Charge registered #10
    Lender: Paragon Bank PLC
  23. 2025-04-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2025-04-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  25. 2025-04-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  26. 2025-04-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  27. 2025-04-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  28. 2025-03-31
    🔒
    Charge registered #9
    Lender: The Mortgage Works (UK) PLC
  29. 2024-11-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  30. 2024-11-18
    🔒
    Charge registered #8
    Lender: Kensington Mortgage Company Limited
  31. 2024-11-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  32. 2024-11-07
    🔒
    Charge registered #7
    Lender: Kensington Mortgage Company Limited
  33. 2024-10-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  34. 2024-07-18
    🔒
    Charge registered #6
    Lender: Kensington Mortgage Company Limited
  35. 2024-05-31
    🔒
    Charge registered #5
    Lender: Charter Court Financial Services Limited
  36. 2024-05-08
    🔒
    Charge registered #4
    Lender: Charter Court Financial Services Limited
  37. 2024-03-28
    🔒
    Charge registered #3
    Lender: Kensington Mortgage Company Limited
  38. 2023-07-26
    🔒
    Charge registered #2
    Lender: Charter Court Financial Services Limited
  39. 2023-04-06
    🔒
    Charge registered #1
    Lender: Charter Court Financial Services Limited
  40. 2022-03-30
    🏢
    Company incorporated
    As AD PROPERTY HOLDINGS LIMITED
  41. 2022-03-30
    ➕
    GOWERS, Ashley Mark appointed
    director
  42. 2022-03-30
    ➕
    GOWERS, Dominic James appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material 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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

36/100
Weak signal

Limited 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 · 1 low
4 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-04-30: A registered charge; 2025-07-31: A registered charge; 2025-07-15: A registered charge

16 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Dominic James Gowers
Individual · British · DOB 11/1998 · age 28
25–50%
25–50%board control25-50% shares · 25-50% voting · board control30/03/2022
Mr Ashley Mark Gowers
Individual · British · DOB 12/1994 · age 32
25–50%
25–50%board control25-50% shares · 25-50% voting · board control30/03/2022

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 · BL postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
A & G AINSWORTH (PROPERTY) LTD→
14754111 · est 2023 · no financials extracted
————3y——
AAAZ INVESTMENTS LTD→
13282442 · est 2021 · no financials extracted
————5y——
AAZEEN PROPERTIES LTD→
14934488 · est 2023 · no financials extracted
————2y——
ABIGOLD PROPERTY LIMITED→
15379473 · est 2024 · no financials extracted
————2y——
ACORNWOOD LIMITED→
14423934 · est 2022 · no financials extracted
————3y——
ACR PROPERTIES LIMITED→
13786284 · est 2021 · no financials extracted
————4y——
ACRESDALE ALLEN ST LTD→
13116861 · est 2021 · no financials extracted
————5y——
ACRESDALE INVESTMENTS LIMITED→
11249224 · est 2018 · no financials extracted
————8y——
AD INVESTMENTS LTD→
08436936 · est 2013 · no financials extracted
————13y——
AD PROPERTY INVESTMENTS LIMITED→
16960025 · est 2026 · no financials extracted
———————
ADAM'S PROPERTY ESTATES LTD→
16388767 · est 2025 · no financials extracted
————1y——
ADAPT PM LIMITED→
16926201 · est 2025 · no financials extracted
———————
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
Incorporated2022-03-30
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate

Registered office

11 Bridge Street
Bury
Lancashire
BL0 9AB
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-12
Last: 2026-03-29

Officers (2 active · 0 resigned)

GOWERS, Ashley Mark→
director · ~32y · appointed 2022-03-30
View their other companies + combined net worth →
Active
GOWERS, Dominic James→
director · ~28y · appointed 2022-03-30
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

16
Total charges
16
Outstanding
5
Active lenders
Status:Lender:16 of 16 shown
TypeProperties
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property30/04/2026—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property31/07/2025—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property15/07/2025—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property15/07/2025—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property05/06/2025—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property29/04/2025—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property22/04/2025—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property31/03/2025—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property18/11/2024—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property07/11/2024—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property18/07/2024—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge2 properties31/05/2024—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge2 properties08/05/2024—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property28/03/2024—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property26/07/2023—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property06/04/2023—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (38 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-29
change-person-director-company-with-change-date
officers · CH01
2026-02-15
change-person-director-company-with-change-date
officers · CH01
2026-02-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-15
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-15
change-person-director-company-with-change-date
officers · CH01
2025-05-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-09