MANOR HOUSE REAL ESTATE LIMITED

🌳Matureactive
SC371763 · ltd · incorporated 2010-01-26
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
78/100
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 78/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

6 live charges · 3 lenders · oldest 16.2y

35/100
too messy

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

  • · Oldest live charge is 16.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
64 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
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Average employees200200

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
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-01-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-01-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-09-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2020-09-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2020-05-07
    ➖
    CHU, Tak Cheung resigned
    director
  10. 2020-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-03-26
    📄
    capital-name-of-class-of-shares
    capital · SH08
  12. 2019-03-25
    📄
    capital-allotment-shares
    capital · SH01
  13. 2019-03-08
    ➕
    CHU, Justin Ho Ying appointed
    director
  14. 2019-03-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2019-02-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2015-10-01
    ➕
    CHU, So King appointed
    director
  17. 2015-06-20
    🔓
    Charge satisfied #4
  18. 2015-06-20
    🔓
    Charge satisfied #3
  19. 2015-03-26
    🔒
    Charge registered #6
    Lender: The Royal Bank of Scotland PLC
  20. 2015-03-13
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  21. 2012-12-29
    🔓
    Charge satisfied #2
  22. 2012-03-16
    🔓
    Charge satisfied #1
  23. 2012-03-02
    🔒
    Charge registered #4
    Lender: Lancashire Mortgage Corporation Limited
  24. 2012-02-22
    🔒
    Charge registered #3
    Lender: Lancashire Mortgage Corporation Limited
  25. 2012-02-15
    ➖
    CHU, So King resigned
    director
  26. 2011-10-14
    ➕
    CHU, Tak Cheung appointed
    director
  27. 2010-06-21
    🔒
    Charge registered #2
    Lender: Lloyds Tsb Scotland PLC
  28. 2010-03-05
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Scotland PLC
  29. 2010-01-26
    🏢
    Company incorporated
    As MANOR HOUSE REAL ESTATE LIMITED
  30. 2010-01-26
    ➕
    CHU, So King appointed
    director

Owner dependency

66/100
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.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

71/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 16 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs So King Chu
Individual · British · DOB 11/1962 · age 64
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
1 historic (ceased) PSC
  • Mr Tak Cheung Chuceased 07/05/2020· 25-50% shares · 25-50% voting · board control

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
Incorporated2010-01-26
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

3-4 Downie Terrace
Edinburgh
EH12 7AU
Scotland

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-02-25
Last: 2026-02-11

Officers (2 active · 2 resigned)

CHU, Justin Ho Ying→
director · ~34y · appointed 2019-03-08
View their other companies + combined net worth →
Active
CHU, So King→
director · ~64y · appointed 2015-10-01
View their other companies + combined net worth →
Active
CHU, So King→
director · ~64y · appointed 2010-01-26 · resigned 2012-02-15
Resigned
CHU, Tak Cheung→
director · ~66y · appointed 2011-10-14 · resigned 2020-05-07
Resigned

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

Mortgages & charges

6
Total charges
2
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property26/03/2015—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—13/03/2015—
satisfied
Lancashire Mortgage Corporation
Lancashire Mortgage Corporation Limited
Standard security1 property02/03/201220/06/2015
satisfied
Lancashire Mortgage Corporation
Lancashire Mortgage Corporation Limited
Bond & floating charge1 property22/02/201220/06/2015
satisfied
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security1 property21/06/201029/12/2012
satisfied
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Bond & floating charge1 property05/03/201016/03/2012
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (64 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-15
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-03
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-02