JACKS HOMES LTD
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Opportunity 69/100 (strong), bankability 62/100. 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. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
6 live charges · 5 lenders · oldest 3.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.3 years — mid-life; refi window approaching.
- · 5 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 2 mortgage
- • 2 incorporation
- • 1 resolution
Corporate timeline (29 events)Click to expand
- 2025-11-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-17📄memorandum-articlesincorporation · MA
- 2025-11-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-11🔒Charge registered #6Lender: Aldermore Bank PLC
- 2025-11-11🔓Charge satisfied #1
- 2025-11-04📄memorandum-articlesincorporation · MA
- 2025-11-04📄resolutionresolution · RESOLUTIONS
- 2025-09-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-23🔒Charge registered #5Lender: The Mortgage Lender Limited
- 2025-09-03📄mortgage-create-with-deed-with-charles-court-order-extend-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-03🔓Charge satisfied #3
- 2025-07-03🔓Charge satisfied #2
- 2025-05-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-14🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2025-01-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-10🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2024-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-12🔒Charge registered #1Lender: Lendinvest Btl Limited
- 2023-05-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-10📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-12-28🔒Charge registered #4Lender: Paratus Amc Limited
- 2021-10-13🏢Company incorporatedAs JACKS HOMES LTD
- 2021-10-13➕JACK, Sarah Louise appointeddirector
- 2021-10-13📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "JACK" — strong identity link between founder and business.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Sarah Louise Jack Individual · British · DOB 08/1974 · age 52 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 13/10/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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10 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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 11/11/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 23/09/2025 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 14/01/2025 | 03/07/2025 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | — | 10/01/2025 | 03/07/2025 | |
| satisfied | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 12/09/2023 | 11/11/2025 | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 28/12/2022 | — |