444HOLDINGS LIMITED
Opportunity 64/100 (worth a look), 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. 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
6 live charges · 3 lenders · oldest 3.4y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.4 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 mortgage
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2026-03-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-24🔒Charge registered #6Lender: Chetwood Financial Limited, Trading as Modamortgages
- 2026-02-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-24🔓Charge satisfied #2
- 2025-09-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-26🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2025-09-26🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2025-09-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-02🔒Charge registered #3Lender: Paragon Bank PLC
- 2025-09-02🔒Charge registered #2Lender: Paragon Bank PLC
- 2025-03-12✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-03-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-11📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-01-25🔒Charge registered #1Lender: Paragon Bank PLC
- 2022-06-29🏢Company incorporatedAs 444HOLDINGS LIMITED
- 2022-06-29➕TAYLOR, Greg David Jon appointeddirector
- 2022-06-29📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
2 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-24: A registered charge; 2025-09-26: A registered charge; 2025-09-26: A registered charge
Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-03-12: certificate-change-of-name-company
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Greg David Jon Taylor Individual · British · DOB 10/1997 · age 29 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 29/06/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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10 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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Chetwood Financial , Trading as Modamortgages Chetwood Financial Limited, Trading as Modamortgages | A registered charge | 1 property | 24/03/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 26/09/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 26/09/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 02/09/2025 | — | |
| satisfied | Paragon Paragon Bank PLC | A registered charge | 1 property | 02/09/2025 | 24/10/2025 | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 25/01/2023 | — |