FERDINAND CS LTD
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Opportunity 70/100 (strong), bankability 47/100. Strong seller-intent signal (60/100, director aged 66). 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
5 live charges · 3 lenders · oldest 1.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.8 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 |
|---|---|
| Total assets | £932.3k |
| Current assets | £56.4k |
| Net assets | £54.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
- • 1 mortgage
- • 1 persons-with-significant-control
Corporate timeline (23 events)Click to expand
- 2026-02-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-01-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-23🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2025-12-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-07-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-24🔒Charge registered #4Lender: Greymax Capital LTD
- 2025-07-24🔒Charge registered #3Lender: Greymax Capital LTD
- 2025-02-13📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-13📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-11-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-07-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24🔒Charge registered #2Lender: Grosvenor Funding LTD
- 2024-07-24🔒Charge registered #1Lender: Grosvenor Funding LTD
- 2024-05-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-05-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-05-08🏢Company incorporatedAs FERDINAND CS LTD
- 2024-05-08➕FAIRWEATHER, James Beattie appointeddirector
- 2024-05-08➕RITCHIE, David Innes appointeddirector
- 2024-05-08📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Young company: Only 2.0 years old — management layer unlikely to be developed.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 2 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-12-23: A registered charge; 2025-07-24: A registered charge; 2025-07-24: A registered charge
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Multiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Harmonia Premier Care Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Harmonia Premier Care Ltd Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 08/05/2024 |
1 historic (ceased) PSC
- Sah Childrens Services Ltdceased 08/05/2024· 75-100% shares · 75-100% voting
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.
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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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 23/12/2025 | — | |
| outstanding | Greymax Capital Greymax Capital LTD | A registered charge | 1 property | 24/07/2025 | — | |
| outstanding | Greymax Capital Greymax Capital LTD | A registered charge | — | 24/07/2025 | — | |
| outstanding | Grosvenor Funding Grosvenor Funding LTD | A registered charge | 1 property | 24/07/2024 | — | |
| outstanding | Grosvenor Funding Grosvenor Funding LTD | A registered charge | 1 property | 24/07/2024 | — |