J P HOMES LIMITED

🌳Matureactive
NI035399 · ltd · incorporated 1998-12-31
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 20.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£382.0k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 55). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

2 live charges · oldest 20.6y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 20.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
91 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £381,963
Net assets shrinking
Down £89,445 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£382k
↓ 19% YoY
Current Assets
£266k
↑ 173% YoY
Current Liabilities
—
£0£94k£189k£283k£377k£471kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£386.0k£482.6k
Current assets£266.3k£97.7k
Net assets£382.0k£471.4k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

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 (31 events)Click to expand
  1. 2025-08-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-08-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-08-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2022-08-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-08-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-09-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2019-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-01-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2019-01-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2019-01-07
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  12. 2019-01-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2019-01-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2019-01-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2019-01-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2019-01-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2019-01-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2015-10-01
    🔓
    Charge satisfied #2
  19. 2015-10-01
    🔓
    Charge satisfied #1
  20. 2008-01-01
    ➕
    REILLY, Lorraine appointed
    director
  21. 2006-11-03
    ➕
    REILLY, Lorraine appointed
    secretary
  22. 2006-11-03
    ➖
    REILLY, John resigned
    secretary
  23. 2006-11-03
    ➖
    JOYCE, Enda resigned
    director
  24. 2005-10-11
    🔒
    Charge registered #2
    Lender: Northern Bank Limited
  25. 2005-10-11
    🔒
    Charge registered #1
    Lender: Northern Bank Limited
  26. 2000-07-31
    ➖
    O'CONNELL, Patrick resigned
    director
  27. 1999-04-05
    ➕
    JOYCE, Enda appointed
    director
  28. 1999-01-25
    ➕
    REILLY, John appointed
    director
  29. 1999-01-25
    ➕
    REILLY, John appointed
    secretary
  30. 1999-01-25
    ➕
    O'CONNELL, Patrick appointed
    director
  31. 1998-12-31
    🏢
    Company incorporated
    As J P HOMES LIMITED

Owner dependency

76/100
High — earn-out structure required

Material 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.
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr John Reilly
Individual · Irish · DOB 03/1971 · age 55
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mrs Lorraine Reilly
Individual · Irish · DOB 10/1973 · age 53
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated1998-12-31
Jurisdictionnorthern-ireland
Primary SIC41202 — Construction of domestic buildings

Registered office

14 Seafields
Warrenpoint
Newry
BT34 3TG
Northern Ireland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-17
Last: 2025-11-03

Officers (3 active · 3 resigned)

REILLY, Lorraine→
secretary · appointed 2006-11-03
View their other companies + combined net worth →
Active
REILLY, John→
director · ~55y · appointed 1999-01-25
View their other companies + combined net worth →
Active
REILLY, Lorraine→
director · ~53y · appointed 2008-01-01
View their other companies + combined net worth →
Active
REILLY, John→
secretary · appointed 1999-01-25 · resigned 2006-11-03
Resigned
JOYCE, Enda→
director · ~55y · appointed 1999-04-05 · resigned 2006-11-03
Resigned
O'CONNELL, Patrick→
director · ~49y · appointed 1999-01-25 · resigned 2000-07-31
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Northern Bank
Northern Bank Limited
Mortgage or charge1 property11/10/200501/10/2015
satisfied
Northern Bank
Northern Bank Limited
Mortgage or charge1 property11/10/200501/10/2015

Recent filings (91 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-30
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-16
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-25
change-person-director-company-with-change-date
officers · CH01
2023-08-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-15
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-23
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-09-02
confirmation-statement-with-updates
confirmation-statement · CS01
2020-01-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-27