1ST 4 STUDENTS LTD

🌳Matureactive
03188532 · ltd · incorporated 1996-04-19
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 27.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£1.32M
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 66-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 27.2y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 27.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · 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.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (5 active, 8 linked, 4 with DOB)
80
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
3 connected companies via shared directors
54
Filing history
89 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
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,321,210
Cash YoY
+74%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£32k
↑ 74% YoY
Net Worth
£1.3m
↑ 2.0% YoY
Current Assets
£32k
↑ 73% YoY
Current Liabilities
—
£0£264k£528k£793k£1.1m£1.3mJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Total assets£1.50M£1.47M
Current assets£32.1k£18.5k
Cash£31.7k£18.3k
Debtors£390£283
Net assets£1.32M£1.30M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal 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
1
filing
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2026-03-17
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-07-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-06-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-03-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2023-12-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2023-03-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2022-03-14
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2022-03-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2022-03-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2022-03-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2022-03-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2022-03-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2022-03-01
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  14. 2021-03-15
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2020-03-11
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  16. 2020-02-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2019-03-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2015-04-24
    ➕
    WABE, Rosamund appointed
    director
  19. 2006-12-08
    🔓
    Charge satisfied #2
  20. 2006-04-01
    ➕
    LOMAS, Margaret Jean appointed
    director
  21. 2005-04-01
    ➕
    LOMAS, Margaret Jean appointed
    secretary
  22. 2004-04-01
    ➖
    LOMAS, Jon Peter resigned
    secretary
  23. 1999-01-29
    🔒
    Charge registered #2
    Lender: Midland Bank PLC
  24. 1999-01-29
    🔒
    Charge registered #1
    Lender: Midland Bank PLC
  25. 1996-05-14
    ➕
    LOMAS, Jonathan Peter appointed
    director
  26. 1996-05-14
    ➕
    WABE, John Stuart appointed
    director
  27. 1996-05-14
    ➖
    BHARDWAJ, Ashok resigned
    nominee-secretary
  28. 1996-05-14
    ➕
    LOMAS, Jon Peter appointed
    secretary
  29. 1996-05-14
    ➖
    BHARDWAJ CORPORATE SERVICES LIMITED resigned
    corporate-nominee-director
  30. 1996-04-19
    🏢
    Company incorporated
    As 1ST 4 STUDENTS LTD
  31. 1996-04-19
    ➕
    BHARDWAJ, Ashok appointed
    nominee-secretary
  32. 1996-04-19
    ➕
    BHARDWAJ CORPORATE SERVICES LIMITED appointed
    corporate-nominee-director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 30 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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 →

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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
Incorporated1996-04-19
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Brounckers House Brounckers House
Lower Road, Erlestoke
Devizes
Wiltshire
SN10 5UE
England

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-05-02
Last: 2026-04-18

Officers (5 active · 3 resigned)

LOMAS, Margaret Jean→
secretary · appointed 2005-04-01
View their other companies + combined net worth →
Active
LOMAS, Jonathan Peter→
director · ~66y · appointed 1996-05-14
View their other companies + combined net worth →
Active
LOMAS, Margaret Jean→
director · ~66y · appointed 2006-04-01
View their other companies + combined net worth →
Active
WABE, John Stuart→
director · ~59y · appointed 1996-05-14
View their other companies + combined net worth →
Active
WABE, Rosamund→
director · ~54y · appointed 2015-04-24
View their other companies + combined net worth →
Active
BHARDWAJ, Ashok→
nominee-secretary · appointed 1996-04-19 · resigned 1996-05-14
Resigned
LOMAS, Jon Peter→
secretary · appointed 1996-05-14 · resigned 2004-04-01
Resigned
BHARDWAJ CORPORATE SERVICES LIMITED→
corporate-nominee-director · appointed 1996-04-19 · resigned 1996-05-14
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Midland Bank
Midland Bank PLC
Debenture1 property29/01/199908/12/2006
outstanding
Midland Bank
Midland Bank PLC
Legal mortgage1 property29/01/1999—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (89 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-17
change-person-director-company-with-change-date
officers · CH01
2025-07-30
change-person-director-company-with-change-date
officers · CH01
2025-06-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-27
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-29
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-03-14
change-person-director-company-with-change-date
officers · CH01
2022-03-01
change-person-director-company-with-change-date
officers · CH01
2022-03-01
change-person-director-company-with-change-date
officers · CH01
2022-03-01