LRB HOMES LTD
Opportunity 66/100 (strong), bankability 47/100. 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: distressed disposal / insolvency (65/100).
Refinance opportunity
7 live charges · 3 lenders · oldest 1.0y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.0 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 (71/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 | 2026-01-31 |
|---|---|
| Total assets | £26.8k |
| Current assets | £10.8k |
| Cash | £6.3k |
| Debtors | £4.5k |
| Net assets | £-27.5k |
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
- • 1 accounts
- • 1 mortgage
- • 1 accounts
- • 1 mortgage
- • 5 mortgage
- • 1 accounts
Corporate timeline (20 events)Click to expand
- 2026-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-04-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-09🔒Charge registered #7Lender: Paratus Amc Limited
- 2026-01-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-27🔒Charge registered #6Lender: Together Commercial Finance Limited
- 2026-01-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-15🔒Charge registered #5Lender: Lendinvest Btl Limited
- 2025-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-22🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2025-12-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-04🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2025-09-18📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-06-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-12🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2025-05-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-30🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2024-08-08🏢Company incorporatedAs LRB HOMES LTD
- 2024-08-08➕FERGUSON, Rachel Christie appointeddirector
- 2024-08-08➕WATSON, Lewis Robert appointeddirector
- 2024-08-08📄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.
- +Young company: Only 1.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-04-09: A registered charge; 2026-01-27: A registered charge; 2026-01-15: A registered charge
Heavily 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 |
|---|---|---|---|---|
Mr Lewis Robert Watson Individual · Scottish · DOB 02/1989 · age 37 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 08/08/2024 |
Miss Rachel Christie Ferguson Individual · Scottish · DOB 10/1995 · age 31 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 08/08/2024 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
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| MACPHERSON PROPERTY RENOVATIONS LIMITED→ SC844487 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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| MARSHALL PROPERTY HOLDINGS LIMITED→ SC562115 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| MARTI PROPERTY LTD→ SC843934 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MAVE HOLDINGS LTD→ SC706064 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| MAXBENTLEY LIMITED→ SC593399 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
9 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 | Paratus Amc Paratus Amc Limited | A registered charge | 2 properties | 09/04/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 27/01/2026 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 15/01/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 22/12/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 04/12/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 12/06/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 30/04/2025 | — |