URBAN 77 LTD

🌱Startupactive
NI722221 · ltd · incorporated 2024-10-08
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
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Turnover
not disclosed
Net worth
book net assets
Opportunity
70/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 70/100 (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

2 live charges · 2 lenders · oldest 0.4y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Newest facility, 0.4 years old — likely still in initial term.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (58/100)

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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
10 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • 2 mortgage
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
  1. 2025-12-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2025-12-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-12-12
    🔒
    Charge registered #2
    Lender: Kensington Mortgage Company Limited
  4. 2025-12-12
    🔒
    Charge registered #1
    Lender: Kensington Mortgage Company LTD
  5. 2025-10-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2025-10-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2025-10-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2025-07-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2025-07-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2025-07-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2024-10-08
    🏢
    Company incorporated
    As URBAN 77 LTD
  12. 2024-10-08
    LYTTLE, Simon Robert appointed
    director
  13. 2024-10-08
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Young company: Only 1.6 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Simon Robert Lyttle
Individual · British · DOB 11/1977 · age 49
75100%
75–100%board control75-100% shares · 75-100% voting · board control08/10/2024

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.

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

9 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.

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Company details

Statusactive
Typeltd
Incorporated2024-10-08
Jurisdictionnorthern-ireland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

3 Station Halt
Portstewart
BT55 7UN

Filing status

Accounts
Next due: 2026-07-08
Last made up to:
Confirmation statement
Next due: 2026-10-21
Last: 2025-10-07

Officers (1 active · 0 resigned)

LYTTLE, Simon Robert
director · ~49y · appointed 2024-10-08
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property12/12/2025
outstanding
Kensington Mortgage Company
Kensington Mortgage Company LTD
A registered charge1 property12/12/2025
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (10 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-07
change-person-director-company-with-change-date
officers · CH01
2025-10-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-06
change-person-director-company-with-change-date
officers · CH01
2025-07-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-23
incorporation-company
incorporation · NEWINC
2024-10-08