9/9A LOWER MILL STREET LTD
Opportunity 74/100 (strong), bankability 62/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
6 live charges · 4 lenders · oldest 2.4y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.4 years old — likely still in initial term.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £190.3k | £185.5k |
| Current assets | £36.3k | — |
| Cash | £18.7k | £203 |
| Debtors | £17.6k | — |
| Net assets | £-59.1k | £-11.2k |
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
- • 4 mortgage
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (27 events)Click to expand
- 2026-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-15🔓Charge satisfied #4
- 2026-01-15🔓Charge satisfied #3
- 2026-01-15🔓Charge satisfied #2
- 2026-01-15🔓Charge satisfied #1
- 2025-12-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-18🔒Charge registered #6Lender: Romaco Spv 2 Limited
- 2025-02-18🔒Charge registered #5Lender: Romaco Spv 2 Limted
- 2024-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-24🔒Charge registered #4Lender: Woodbourne Homes Limited
- 2024-06-24🔒Charge registered #3Lender: Woodbourne Homes Limited
- 2023-12-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-05🔒Charge registered #2Lender: Hope Capital 2 Limited
- 2023-12-05🔒Charge registered #1Lender: Hope Capital 2 Limited
- 2023-03-25🏢Company incorporatedAs 9/9A LOWER MILL STREET LTD
- 2023-03-25➕FRENCH, Alexander James appointeddirector
- 2023-03-25➕HICKMAN, Alexander William appointeddirector
- 2023-03-25➕KHAN, Raymond Mohammed appointeddirector
- 2023-03-25📄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 |
|---|---|---|---|---|
Mr Raymond Mohammed Khan Individual · British · DOB 10/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/03/2023 |
Vidya Group Holdings Ltd Corporate entity | 25–50% | — | 25-50% shares | 25/03/2023 |
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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| 8000 CH PROPERTIES LIMITED→ 14254360 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
8 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 | Romaco Spv 2 Romaco Spv 2 Limited | A registered charge | 1 property | 18/02/2025 | — | |
| outstanding | Romaco Spv 2 Limted | A registered charge | 1 property | 18/02/2025 | — | |
| satisfied | Woodbourne Homes Woodbourne Homes Limited | A registered charge | 1 property | 24/06/2024 | 15/01/2026 | |
| satisfied | Woodbourne Homes Woodbourne Homes Limited | A registered charge | 1 property | 24/06/2024 | 15/01/2026 | |
| satisfied | Hope Capital 2 Hope Capital 2 Limited | A registered charge | 1 property | 05/12/2023 | 15/01/2026 | |
| satisfied | Hope Capital 2 Hope Capital 2 Limited | A registered charge | 1 property | 05/12/2023 | 15/01/2026 |