AMBLESIDE HOMES (MIDLANDS) LTD
Opportunity 69/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 1.3y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.3 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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 | 2025-09-30 |
|---|---|
| Total assets | £374.7k |
| Current assets | £379.0k |
| Net assets | £95.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
- • 1 mortgage
Corporate timeline (14 events)Click to expand
- 2026-04-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-03-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-31🔒Charge registered #4Lender: Onesavings Bank PLC Trading as Kent Reliance Banking Services
- 2025-11-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-23🔓Charge satisfied #1
- 2025-10-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-15🔒Charge registered #3Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2025-10-15🔒Charge registered #2Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2025-04-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-28🔒Charge registered #1Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2024-09-11🏢Company incorporatedAs AMBLESIDE HOMES (MIDLANDS) LTD
- 2024-09-11➕BELL, Anita appointeddirector
- 2024-09-11📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Young company: Only 1.8 years old — management layer unlikely to be developed.
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
1 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-31: A registered charge; 2025-10-15: A registered charge; 2025-10-15: A registered charge
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Anita Bell Individual · British · DOB 05/1972 · age 54 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 11/09/2024 |
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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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 | Kent Reliance / OSB Onesavings Bank PLC Trading as Kent Reliance Banking Services | A registered charge | 2 properties | 31/03/2026 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 15/10/2025 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 15/10/2025 | — | |
| satisfied | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 28/03/2025 | 23/11/2025 |