A AND M PROPERTIES MANAGEMENT LIMITED
🌿Early-stageactive
14504168 · ltd · incorporated 2022-11-24
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.
Why now
Window steady · medium confidence
Mixed signals — 2 changes over 30 days, no clear direction yet.
- · Live charges: 2 → 3
- · Filings: 20 → 21
What changed my view
Last 30 days
Mixed signals in the last 30 days — 1 improved, 1 worsened.
- ↓Live charges: 2 → 3
- ↑Filings: 20 → 21
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£-992
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 1.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.2 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
3 charges (3/3 with lender, 3/3 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
3 connected companies via shared directors
54
Filing history
21 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
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
82
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 £992
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
-£992
Current Assets
£100
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-11-30 |
|---|---|
| Total assets | £-992 |
| Current assets | £100 |
| Net assets | £-992 |
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
7
filings
- • 2 persons-with-significant-control
- • 2 officers
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-06-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-06-10🔒Charge registered #3Lender: Godiva Mortgages Limited
- 2026-03-30📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2026-02-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-02-19📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-28🔒Charge registered #2Lender: Godiva Mortgages Limited
- 2025-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-18📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-09🔒Charge registered #1Lender: Aldermore Bank PLC
- 2025-04-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-24🏢Company incorporatedAs A AND M PROPERTIES MANAGEMENT LIMITED
- 2022-11-24➕EDWARDS, Andrew Malcolm appointeddirector
- 2022-11-24➕LOWE, Mandy appointeddirector
- 2022-11-24📄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
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Malcolm Edwards Individual · British · DOB 11/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 24/11/2022 |
Miss Mandy Lowe Individual · British · DOB 12/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 24/11/2022 |
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
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|---|---|---|---|---|---|---|---|
| ACH DEVELOPMENTS LIMITED→ 14107031 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACIER HOMES LTD→ 13268126 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ACTON MOAT LIMITED→ 12302839 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACUMEN HORIZON LTD→ 16827822 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADENZAI LTD→ 14254564 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ADF INVESTMENTS LTD→ 08555281 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ADLP LIMITED→ 10531424 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ADW PROPERTY HOLDINGS LTD→ 11872261 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AGC PROPERTY DEVELOPMENT LIMITED→ 10669820 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AGO PROPERTIES STAFFORDSHIRE LIMITED→ 13254373 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AH HULME PROPERTY SERVICES LIMITED→ 16381447 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AHEER PROPERTY LIMITED→ 13885682 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2022-11-24
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Ebenezer House
Ryecroft
Newcastle
Staffordshire
ST5 2BE
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-07
Last: 2025-11-23
Officers (2 active · 0 resigned)
EDWARDS, Andrew Malcolm→
Activedirector · ~50y · appointed 2022-11-24
View their other companies + combined net worth →
Active
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 10/06/2026 | — | |
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 28/11/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 09/05/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (21 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-10
change-account-reference-date-company-current-extended
accounts · AA01
2026-03-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-19
change-person-director-company-with-change-date
officers · CH01
2026-02-19
change-person-director-company-with-change-date
officers · CH01
2026-02-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-03
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-24
change-person-director-company-with-change-date
officers · CH01
2025-08-19
change-person-director-company-with-change-date
officers · CH01
2025-08-19
change-person-director-company-with-change-date
officers · CH01
2025-08-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-18