4/5 LOWER MILL STREET LTD
- · Filings: 14 → 15
Picture improved over the last 30 days — 1 positive signal vs 0 negative.
- ↑Filings: 14 → 15
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 74/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 2.7y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.7 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 |
|---|---|
| Total assets | £703.4k |
| Current assets | £139.6k |
| Cash | £693 |
| Debtors | £138.9k |
| Net assets | £-18.5k |
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 accounts
- • 1 accounts
- • 3 mortgage
- • 1 accounts
Corporate timeline (21 events)Click to expand
- 2026-06-23📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2026-03-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-06🔓Charge satisfied #2
- 2026-03-06🔓Charge satisfied #1
- 2026-01-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-23🔒Charge registered #3Lender: Hampshire Trust Bank PLC
- 2025-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-12-11📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2024-11-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-10-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-20🔒Charge registered #2Lender: Hope Capital 2 Limited
- 2023-10-20🔒Charge registered #1Lender: Hope Capital 2 Limited
- 2023-02-17🏢Company incorporatedAs 4/5 LOWER MILL STREET LTD
- 2023-02-17➕FRENCH, Alexander James appointeddirector
- 2023-02-17➕HICKMAN, Alexander William appointeddirector
- 2023-02-17➕KHAN, Raymond Mohammed appointeddirector
- 2023-02-17📄incorporation-companyincorporation · NEWINC
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Vidya Group Holdings Ltd holds 25-50% — a significant corporate investor but not a controlling parent.
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 |
|---|---|---|---|---|
Vidya Group Holdings Ltd Corporate entity | 25–50% | — | 25-50% shares | 17/11/2025 |
Mr Raymond Mohammed Khan Individual · British · DOB 10/1963 · age 63 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 17/02/2023 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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7 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 (3 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Hampshire Trust Bank Hampshire Trust Bank PLC | A registered charge | 3 properties | 23/01/2026 | — | |
| satisfied | Hope Capital 2 Hope Capital 2 Limited | A registered charge | 3 properties | 20/10/2023 | 06/03/2026 | |
| satisfied | Hope Capital 2 Hope Capital 2 Limited | A registered charge | 3 properties | 20/10/2023 | 06/03/2026 |