LASHLEY HOMES LIMITED

🏛️Establishedactive
SC546666 · ltd · incorporated 2016-09-30
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 Sept 2024
Net worth
£6.0k
book net assets
Opportunity
70/100
Strong
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 70/100 (strong), bankability 67/100. 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: strategic trade sale (63/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 8.5y

35/100
too messy

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

  • · Oldest live charge is 8.5 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: medium (72/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

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 →
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £6,007
Net assets shrinking
Down £22,263 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£6k
↓ 79% YoY
Current Assets
£6k
↓ 83% YoY
Current Liabilities
£0£7k£14k£21k£28k£35kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-09-302023-09-30
Total assets£101.8k£126.9k
Current assets£6.0k£35.2k
Net assets£6.0k£28.3k

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-04-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-05-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-01-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2023-01-24
    🔓
    Charge satisfied #2
  6. 2023-01-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2023-01-11
    🔓
    Charge satisfied #3
  8. 2023-01-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2022-12-22
    🔒
    Charge registered #4
    Lender: Paratus Amc Limited
  10. 2022-06-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-05-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2020-03-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2020-03-09
    🔒
    Charge registered #3
    Lender: Paragon Bank PLC
  14. 2020-01-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-03-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-04-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-10-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2017-10-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2017-10-20
    🔒
    Charge registered #2
    Lender: Aldermore Bank PLC
  20. 2017-10-19
    🔒
    Charge registered #1
    Lender: Aldermore Bank PLC
  21. 2017-09-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  22. 2017-09-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  23. 2016-09-30
    🏢
    Company incorporated
    As LASHLEY HOMES LIMITED
  24. 2016-09-30
    GRAY, Brian Alexander appointed
    director
  25. 2016-09-30
    GRAY, Julie Ferguson appointed
    director
  26. 2016-09-30
    ROWAN, Craig Thomas appointed
    director
  27. 2016-09-30
    ROWAN, Lissa appointed
    director

Owner dependency

48/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

30/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

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.

🔒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
Incorporated2016-09-30
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

10 Golf Road
Hopeman
Elgin
IV30 5TE
United Kingdom

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-08-30
Last: 2025-08-16

Officers (4 active · 0 resigned)

GRAY, Brian Alexander
director · ~53y · appointed 2016-09-30
View their other companies + combined net worth →
Active
GRAY, Julie Ferguson
director · ~53y · appointed 2016-09-30
View their other companies + combined net worth →
Active
ROWAN, Craig Thomas
director · ~55y · appointed 2016-09-30
View their other companies + combined net worth →
Active
ROWAN, Lissa
director · ~55y · appointed 2016-09-30
View their other companies + combined net worth →
Active

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

Mortgages & charges

4
Total charges
2
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Paratus Amc
Paratus Amc Limited
A registered charge1 property22/12/2022
satisfied
Paragon
Paragon Bank PLC
A registered charge1 property09/03/202011/01/2023
satisfied
Aldermore
Aldermore Bank PLC
A registered charge1 property20/10/201724/01/2023
outstanding
Aldermore
Aldermore Bank PLC
A registered charge19/10/2017
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (26 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-25
mortgage-satisfy-charge-full
mortgage · MR04
2023-01-24
mortgage-satisfy-charge-full
mortgage · MR04
2023-01-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-01-04
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-16
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-04
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-03-18