1620 DEVELOPMENTS LIMITED

🌳Matureactive
06000325 · ltd · incorporated 2006-11-16
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 17.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other building completion and finishing
Sector: Construction
ALSO REGISTERED FOR
  • 68100Buying and selling of own real estate
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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

4 live charges · oldest 17.6y

65/100
clean up first

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

  • · Oldest live charge is 17.6 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 (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
5 officers (5 active, 5 linked, 4 with DOB)
86
Ownership & PSC
4 active PSC(s) of 4 total, 4 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
50 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Nov 2024Nov 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-11-302024-11-30
Average employees00

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 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-04-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-11-22
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-11-22
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-11-22
    🔓
    Charge satisfied #4
  6. 2024-11-22
    🔓
    Charge satisfied #3
  7. 2024-07-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-08-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-08-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-08-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2020-08-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-08-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2018-08-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2017-08-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2016-08-15
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2015-11-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2015-08-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2010-08-20
    🔒
    Charge registered #4
    Lender: Lloyds Tsb Bank PLC
  19. 2010-08-04
    🔒
    Charge registered #3
    Lender: Lloyds Tsb Bank PLC
  20. 2009-02-04
    🔒
    Charge registered #2
    Lender: Lloyds Tsb Bank PLC
  21. 2008-09-04
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Bank PLC
  22. 2006-11-16
    🏢
    Company incorporated
    As 1620 DEVELOPMENTS LIMITED
  23. 2006-11-16
    ➕
    COWDEROY-CREED, Jane Linsay appointed
    secretary
  24. 2006-11-16
    ➕
    COWDEROY-CREED, Jane Linsay appointed
    director
  25. 2006-11-16
    ➕
    CREED, Stephen Vernon appointed
    director
  26. 2006-11-16
    ➕
    GARDENER, Colin Graham appointed
    director
  27. 2006-11-16
    ➕
    GARDENER, Kim Lesley appointed
    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 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

83/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 19 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.)

Shareholders & ownership

4 active beneficial owners · fragmented
NameSharesVoting rightsNature of controlNotified
Mrs Kim Lesley Gardener
Individual · British · DOB 05/1960 · age 66
——sig. influencesignificant influence01/07/2016
Mr Stephen Vernon Creed
Individual · British · DOB 01/1956 · age 70
——sig. influencesignificant influence01/07/2016
Mrs Jane Linsay Cowderoy-Creed
Individual · British · DOB 11/1963 · age 63
——sig. influencesignificant influence01/07/2016
Mr Colin Graham Gardener
Individual · British · DOB 02/1956 · age 70
——sig. influencesignificant influence01/06/2016

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 →

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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
Incorporated2006-11-16
Jurisdictionengland-wales
Primary SIC43390 — Other building completion and finishing

Registered office

20 Furze Close
Bridgwater
Somerset
TA6 7AN

Filing status

Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-11-20
Last: 2025-11-06

Officers (5 active · 0 resigned)

COWDEROY-CREED, Jane Linsay→
secretary · appointed 2006-11-16
View their other companies + combined net worth →
Active
COWDEROY-CREED, Jane Linsay→
director · ~63y · appointed 2006-11-16
View their other companies + combined net worth →
Active
CREED, Stephen Vernon→
director · ~70y · appointed 2006-11-16
View their other companies + combined net worth →
Active
GARDENER, Colin Graham→
director · ~70y · appointed 2006-11-16
View their other companies + combined net worth →
Active
GARDENER, Kim Lesley→
director · ~66y · appointed 2006-11-16
View their other companies + combined net worth →
Active

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

Mortgages & charges

4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Legal mortgage1 property20/08/201022/11/2024
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Debenture1 property04/08/201022/11/2024
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage2 properties04/02/2009—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property04/09/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (50 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-08
mortgage-satisfy-charge-full
mortgage · MR04
2024-11-22
mortgage-satisfy-charge-full
mortgage · MR04
2024-11-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-09
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-16
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-25