PHELAN CONSTRUCTION LIMITED
🌳Matureactive
02147266 · ltd · incorporated 1987-07-15
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 Dec 2024
Net worth
—
book net assets
Opportunity
67/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
- 41201Construction of commercial buildings
- 41202Construction of domestic buildings
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 67/100 (strong), bankability 42/100. Strong seller-intent signal (60/100, director aged 60). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: asset disposal / carve-out (45/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
16 live charges · 4 lenders · oldest 37.3y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 37.3 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 70/100 (specialist).
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, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
16 charges (16/16 with lender, 16/16 with type)
90
Directors & officers
11 officers (3 active, 11 linked, 9 with DOB)
86
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
169 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
67/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
51
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
6
filings
- • 5 mortgage
- • 1 confirmation-statement
Last 180 days
8
filings
- • 5 mortgage
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (68 events)Click to expand
- 2026-03-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-17🔓Charge satisfied #16
- 2026-03-17🔓Charge satisfied #15
- 2026-03-17🔓Charge satisfied #14
- 2026-03-17🔓Charge satisfied #13
- 2026-03-17🔓Charge satisfied #12
- 2025-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-29➕LOWE, Andrew appointeddirector
- 2025-10-28➕RAYNER, Grant appointeddirector
- 2025-09-29📄accounts-with-accounts-type-groupaccounts · AA
- 2025-09-25📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-28⚠️liquidation-voluntary-arrangement-completioninsolvency · CVA4
- 2025-03-20⚠️liquidation-cva-supervisors-abstract-of-receipts-payments-with-brought-down-dateinsolvency · CVA3
- 2024-09-30📄accounts-with-accounts-type-groupaccounts · AA
- 2024-04-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-04-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-04-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-01➖O'PHELAN, Kieran William resigneddirector
- 2023-10-11📄accounts-with-accounts-type-groupaccounts · AA
- 2023-03-17⚠️liquidation-cva-supervisors-abstract-of-receipts-payments-with-brought-down-dateinsolvency · CVA3
- 2022-10-07📄accounts-with-accounts-type-groupaccounts · AA
- 2022-03-21⚠️liquidation-cva-supervisors-abstract-of-receipts-payments-with-brought-down-dateinsolvency · CVA3
- 2020-02-28➖COY, Neil Ian resigneddirector
- 2019-12-18➖LEPPARD, Paul Michael resigneddirector
- 2019-10-21🔒Charge registered #16Lender: National Westminster Bank PLC
- 2019-05-15➖TUCKER, Steven Andrew resigneddirector
- 2018-07-31➕TUCKER, Steven Andrew appointeddirector
- 2018-05-10➕LEPPARD, Paul Michael appointeddirector
- 2016-11-04🔒Charge registered #15Lender: National Westminster Bank PLC
- 2011-06-06➖JAMESTOWN INVESTMENTS LIMITED resignedcorporate-secretary
- 2009-10-01🔒Charge registered #14Lender: National Westminster Bank PLC
- 2009-09-23🔒Charge registered #13Lender: National Westminster Bank PLC
- 2006-07-31🔒Charge registered #12Lender: National Westminster Bank PLC
- 2006-04-01➕MCGOWAN, Daniel William appointeddirector
- 2006-04-01➕COY, Neil Ian appointeddirector
- 2002-11-29🔓Charge satisfied #11
- 2002-11-29🔓Charge satisfied #10
- 2002-11-29🔓Charge satisfied #9
- 2002-11-29🔓Charge satisfied #8
- 2002-11-29🔓Charge satisfied #7
- 2002-11-29🔓Charge satisfied #6
- 2002-11-29🔓Charge satisfied #4
- 2002-11-29🔓Charge satisfied #3
- 2002-11-29🔓Charge satisfied #2
Showing most recent 50 of 68 events
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 high · 2 med ·4 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-04-28: liquidation-voluntary-arrangement-completion; 2025-03-20: liquidation-cva-supervisors-abstract-of-receipts-payments-with-brought-down-date
Has insolvency history
mediumCompanies House flags prior insolvency events. Review the insolvency filings for context.
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Francie Colton O'Phelan Individual · British · DOB 12/1997 · age 29 | 25–50% | — | 25-50% shares | 01/02/2023 |
Miss Annie Colton O'Phelan Individual · British · DOB 01/2002 · age 24 | 25–50% | — | 25-50% shares | 01/02/2023 |
1 historic (ceased) PSC
- Mr Kieran William O'Phelanceased 01/04/2024· 75-100% shares · 75-100% voting · board control · significant influence
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 · Construction · CO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 11 INTERIORS LTD→ 11156236 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| 1ST DIRECT GLAZIERS LTD→ 15684875 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 1TO1 CONSTRUCTION LTD→ 15759477 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 22ELECTRICAL LTD→ 14290212 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 247 ELECTRICAL ESSEX LTD→ 16320621 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 24IV LTD→ 16492083 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 2FLOOR68 LTD.→ 10548979 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| 2XR LTD→ 14075079 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 3 WAY HANDSHAKE LTD→ 08048884 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| 3D FACADES LTD→ 14353700 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 4 SITE PLUMBING LIMITED→ 03067004 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| 4W BUILDING SERVICES LIMITED→ 10934917 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated1987-07-15
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects
Registered office
1 Brunel Court
Brunel Road
Clacton
Essex
CO15 4LU
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03
Officers (3 active · 8 resigned)
LOWE, Andrew→
Activedirector · ~47y · appointed 2025-10-29
View their other companies + combined net worth →
MCGOWAN, Daniel William→
Activedirector · ~60y · appointed 2006-04-01
View their other companies + combined net worth →
RAYNER, Grant→
Activedirector · ~52y · appointed 2025-10-28
View their other companies + combined net worth →
O'PHELAN, Kieran William→
Resignedsecretary · resigned 2000-04-26
JAMESTOWN INVESTMENTS LIMITED→
Resignedcorporate-secretary · appointed 2000-04-26 · resigned 2011-06-06
COY, Neil Ian→
Resigneddirector · ~51y · appointed 2006-04-01 · resigned 2020-02-28
LAW, Rae Alfred George→
Resigneddirector · ~90y · appointed 1996-10-01 · resigned 2000-03-31
LEPPARD, Paul Michael→
Resigneddirector · ~57y · appointed 2018-05-10 · resigned 2019-12-18
O'PHELAN, Kieran William→
Resigneddirector · ~66y · resigned 2024-04-01
O'PHELAN, Richard→
Resigneddirector · ~64y · resigned 1996-09-01
TUCKER, Steven Andrew→
Resigneddirector · ~42y · appointed 2018-07-31 · resigned 2019-05-15
Click a director name to see their full track record across all companies.
Mortgages & charges
16
Total charges
1
Outstanding
1
Active lenders
Status:Lender:16 of 16 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 21/10/2019 | 17/03/2026 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 04/11/2016 | 17/03/2026 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Charge of deposit | 1 property | 01/10/2009 | 17/03/2026 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 23/09/2009 | 17/03/2026 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 31/07/2006 | 17/03/2026 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 01/04/1999 | 29/11/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 11/01/1999 | 29/11/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 07/01/1999 | 29/11/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 07/01/1999 | 29/11/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 2 properties | 26/08/1998 | 29/11/2002 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 19/01/1998 | 29/11/2002 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 07/01/1998 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 2 properties | 07/01/1998 | 29/11/2002 | |
| satisfied | Lloyds Banking Group Governors Company of the Bank of Scotland | Debenture | 1 property | 05/01/1989 | 29/11/2002 | |
| satisfied | Governors Company of the Bank of Ireland | Legal charge | 1 property | 05/01/1989 | 29/11/2002 | |
| satisfied | Governers Company of the Bank of Ireland | Legal charge | 1 property | 05/01/1989 | 29/11/2002 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (169 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-17
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-17
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-17
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-17
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
appoint-person-director-company-with-name-date
officers · AP01
2025-11-11
appoint-person-director-company-with-name-date
officers · AP01
2025-11-11
accounts-with-accounts-type-group
accounts · AA
2025-09-29
change-person-director-company-with-change-date
officers · CH01
2025-09-25
liquidation-voluntary-arrangement-completion
insolvency · CVA4
2025-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-02
liquidation-cva-supervisors-abstract-of-receipts-payments-with-brought-down-date
insolvency · CVA3
2025-03-20
accounts-with-accounts-type-group
accounts · AA
2024-09-30
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-04-16