ROSETTA LETTINGS LTD
🌱Startupactive
NI730323 · ltd · incorporated 2025-06-10
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
—
not disclosed
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 acceptable with review structure.
Opportunity 72/100 (strong), bankability 70/100. 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 0.2y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.2 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: low (53/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
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
Network not yet resolved
30
Filing history
2 filings — limited history
30
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.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 mortgage
Last 180 days
1
filing
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (6 events)Click to expand
- 2026-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-27🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2025-06-10🏢Company incorporatedAs ROSETTA LETTINGS LTD
- 2025-06-10➕MURRAY, Geoffrey Howard appointeddirector
- 2025-06-10➕MURRAY, Helen Mary appointeddirector
- 2025-06-10📄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 1.0 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 |
|---|---|---|---|---|
Mr Geoffrey Howard Murray Individual · Northern Irish · DOB 04/1987 · age 39 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/06/2025 |
Mrs Helen Mary Murray Individual · Irish · DOB 06/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/06/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · BT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BROAD ENTERPRISES LIMITED→ NI024814 · est 1990 | £2.12M £1.80M–£2.43M | — | £2.12M | — | 35y | 83 | 64y |
| BALLYMONEY HILL ESTATES LTD→ NI049964 · est 2004 | £776.0k £659.6k–£892.4k | — | £776.0k | — | 22y | 83 | 70y |
| CATHERWOOD ESTATES (BELFAST) LIMITED→ NI005465 · est 1963 | £361.5k £307.3k–£415.8k | — | £361.5k | — | 63y | 83 | 64y |
| CARLISLE ROAD PROPERTIES LIMITED→ NI056605 · est 2005 | £333.2k £283.2k–£383.2k | — | £333.2k | — | 20y | 83 | 86y |
| BALLINAMALLARD ENTERPRISE COMPANY LIMITED→ NI034886 · est 1998 | £236.5k £201.0k–£271.9k | — | £236.5k | — | 27y | 83 | 86y |
| CASTLE DEVELOPMENTS (LISBURN) LIMITED→ NI064226 · est 2007 | £208.9k £177.6k–£240.2k | — | £208.9k | — | 19y | 83 | 61y |
| COAGH & DISTRICT DEVELOPMENT ASSOCIATION LIMITED→ NI030106 · est 1995 | £205.6k £174.8k–£236.5k | — | £205.6k | — | 30y | 83 | 74y |
| BESSBROOK DEVELOPMENT COMPANY LIMITED→ NI027239 · est 1993 | £158.2k £134.5k–£182.0k | — | £158.2k | — | 33y | 83 | 94y |
| DERG VALLEY PROPERTIES LIMITED→ NI046303 · est 2003 | £145.5k £123.6k–£167.3k | — | £145.5k | — | 23y | 83 | 75y |
| ANTRIM COUNTY INVESTMENT MANAGERS LIMITED→ NI020714 · est 1987 | £141.8k £120.5k–£163.0k | — | £141.8k | — | 38y | 83 | 78y |
| CLOGHER VALLEY PROPERTIES LIMITED→ NI029266 · est 1995 | £106.5k £90.5k–£122.4k | — | £106.5k | — | 31y | 83 | 77y |
| DESERTMARTIN COMMUNITY DEVELOPMENTS LTD→ NI038420 · est 2000 | £56.8k £48.3k–£65.3k | — | £56.8k | — | 26y | 83 | 84y |
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
Incorporated2025-06-10
Jurisdictionnorthern-ireland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
97a Rosetta Road
Belfast
BT6 0LS
Northern Ireland
Filing status
Accounts
Next due: 2027-03-10
Last made up to: —
Confirmation statement
Next due: 2026-06-23
Last: —
Officers (2 active · 0 resigned)
MURRAY, Geoffrey Howard→
Activedirector · ~39y · appointed 2025-06-10
View their other companies + combined net worth →
MURRAY, Helen Mary→
Activedirector · ~38y · appointed 2025-06-10
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 | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 27/03/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (2 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-02
incorporation-company
incorporation · NEWINC
2025-06-10