51D ERMINE ROAD LTD
🌿Early-stageactive
14996790 · ltd · incorporated 2023-07-11
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
1 live charge · oldest 2.7y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 2.7 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (74/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 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
5 connected companies via shared directors
60
Filing history
11 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-31 |
|---|
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
- 2025-03-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-19📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2024-11-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-20🔒Charge registered #1Lender: Onesavings Bank PLC
- 2023-07-11🏢Company incorporatedAs 51D ERMINE ROAD LTD
- 2023-07-11➕PHILIP-HOWELL, Anne-Marie Rachel appointeddirector
- 2023-07-11➕PHILIP-HOWELL, Rees David appointeddirector
- 2023-07-11📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
High — earn-out structure requiredMaterial 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.
- +Young company: Only 2.9 years old — management layer unlikely to be developed.
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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Anne-Marie Rachel Philip-Howell Individual · British · DOB 09/1986 · age 40 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 11/07/2023 |
Mr Rees David Philip-Howell Individual · British · DOB 04/1986 · age 40 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 11/07/2023 |
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 · SE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4AS HOME PROVIDERS LTD→ 15117264 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 4R PROPERTY MANAGEMENT LTD→ 16872131 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 4R SERVICES LTD→ 16178223 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 5 SHURDINGTON ROAD FREEHOLD LTD→ 16593463 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 5 ST JOHN'S PARK LIMITED→ 08162912 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| 54 SUTHERLAND SQUARE LIMITED→ 05997881 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| 56 LIMES GROVE (FREEHOLD) COMPANY LIMITED→ 07489059 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| 56 MANAGEMENT SERVICES LIMITED→ 16823687 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 56 WHITBREAD ROAD LIMITED→ 06794969 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| 565860 FREEHOLD COMPANY LIMITED→ 13906375 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 57 CHAUCER ROAD LIMITED→ 07242771 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| 58 KNIGHTS HILL LTD→ 13018945 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2023-07-11
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
17 Pascoe Road
London
SE13 5JE
England
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-07-24
Last: 2025-07-10
Officers (2 active · 0 resigned)
PHILIP-HOWELL, Anne-Marie Rachel→
Activedirector · ~40y · appointed 2023-07-11
View their other companies + combined net worth →
PHILIP-HOWELL, Rees David→
Activedirector · ~40y · appointed 2023-07-11
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 20/10/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (11 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-14
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-21
change-account-reference-date-company-previous-extended
accounts · AA01
2025-03-19
change-person-director-company-with-change-date
officers · CH01
2024-11-05
change-person-director-company-with-change-date
officers · CH01
2024-11-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-24
incorporation-company
incorporation · NEWINC
2023-07-11