ILH PROPERTIES LTD
🏛️Establishedactive
SC656156 · ltd · incorporated 2020-03-02
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 Mar 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
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
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 75/100 (strong), bankability 57/100. 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. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
11 live charges · 9 lenders · oldest 5.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.6 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
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, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 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
24 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | — | £1.22M |
| Current assets | — | £9.4k |
| Cash | — | £7.8k |
| Debtors | — | £1.6k |
| Net assets | — | £-1.7k |
| Average employees | 2 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
1
filing
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-10🔒Charge registered #11Lender: Kensington Mortgage Company Limited, a Limited Liablity Company Oincorporated Under the Companies Act in England and Wales (Company Number 3049877) Whose Registered Office is at 2ND Floor Marlow International, Parkway, Marlow SL7 1YL
- 2025-08-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-12🔒Charge registered #10Lender: Kensington Mortgage Company Limited
- 2022-08-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-16🔒Charge registered #9Lender: Belmont Green Finance Limited Trading as Vida Homeloans
- 2022-03-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-04🔒Charge registered #6Lender: Kensington Mortgage Company (3049877)
- 2022-03-01🔒Charge registered #8Lender: Kensington Mortgage Company Limited
- 2022-03-01🔒Charge registered #7Lender: Belmont Green Finance Limited T/a Vida Homeloans
- 2021-11-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-09-03🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2021-08-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-04🔒Charge registered #4Lender: Paragon Bank PLC
- 2021-06-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-24🔒Charge registered #3Lender: Charter Court Financial Services Limited
- 2021-04-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-04-20🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2021-03-24📄legacymiscellaneous · RPCH01
- 2020-10-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-12🔒Charge registered #1Lender: Aldermore Bank PLC
- 2020-03-02🏢Company incorporatedAs ILH PROPERTIES LTD
- 2020-03-02➕HARRIS, Ian appointedsecretary
- 2020-03-02➕HARRIS, Ian appointeddirector
- 2020-03-02➕HARRIS, Loraine appointeddirector
- 2020-03-02📄incorporation-companyincorporation · NEWINC
Owner dependency
74/100
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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 low11 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Loraine Harris Individual · British · DOB 04/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 02/03/2020 |
Mr Ian Harris Individual · British · DOB 06/1972 · age 54 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 02/03/2020 |
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 →Similar companies
Active · Property · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ISLAR PROPERTY LTD→ SC656531 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| JANE STREET PROPERTIES LIMITED→ SC666253 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| JAY HOGARTY PROPERTIES LTD→ SC682684 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| JD BELPER LIMITED→ SC807808 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JDS INVESTMENTS EDINBURGH LTD→ SC695508 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| JEAN HAMILTON PROPERTIES LIMITED→ SC803480 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| JEFFERIES JAMES UK LIMITED→ SC698342 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| JENNANT PROPERTY LIMITED→ SC783939 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JICE PROPERTIES LTD→ SC819317 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JIEUN PROPERTY LTD→ SC823477 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JKM WEALTH LTD→ SC864111 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JLC LET LIMITED→ SC769909 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2020-03-02
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
5 Castle Terrace
Edinburgh
EH1 2DP
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-13
Last: 2025-07-30
Officers (3 active · 0 resigned)
Active
Active
HARRIS, Loraine→
Activedirector · ~59y · appointed 2020-03-02
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
11
Outstanding
9
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Kensington Mortgage Company , a Liablity Company Oincorporated Under the Companies Act in England and Wales (Company Number 3049877) Whose Registered Office is at 2ND Floor Marlow International, Parkway, Marlow SL7 1YL Kensington Mortgage Company Limited, a Limited Liablity Company Oincorporated Under the Companies Act in England and Wales (Company Number 3049877) Whose Registered Office is at 2ND Floor Marlow International, Parkway, Marlow SL7 1YL | A registered charge | 1 property | 10/02/2026 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 12/07/2023 | — | |
| outstanding | Belmont Green Finance Trading as Vida Homeloans Belmont Green Finance Limited Trading as Vida Homeloans | A registered charge | 2 properties | 16/03/2022 | — | |
| outstanding | Kensington Mortgage Company (3049877) | A registered charge | 1 property | 04/03/2022 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 01/03/2022 | — | |
| outstanding | Belmont Green Finance T/a Vida Homeloans Belmont Green Finance Limited T/a Vida Homeloans | A registered charge | 1 property | 01/03/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 03/09/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 04/08/2021 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 24/06/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 20/04/2021 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/10/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (24 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-22