HMA PROPERTY HOLDINGS LTD
Opportunity 74/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 0.6y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.6 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (56/100)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.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 mortgage
Corporate timeline (9 events)Click to expand
- 2026-01-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-12🔒Charge registered #3Lender: Aldermore Bank PLC
- 2025-10-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-20🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2025-10-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-16🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2025-04-02🏢Company incorporatedAs HMA PROPERTY HOLDINGS LTD
- 2025-04-02➕ARMOOGUM, Kris Sudesh appointeddirector
- 2025-04-02📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Young company: Only 1.1 years old — management layer unlikely to be developed.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-12: A registered charge; 2025-10-20: A registered charge; 2025-10-16: A registered charge
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Kris Sudesh Armoogum Individual · British · DOB 08/1967 · age 59 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 02/04/2025 |
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.
See pricing →Similar companies
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| GESTAQUOY LTD→ SC434200 · est 2012 | £86.3k £73.3k–£99.2k | — | £86.3k | — | 13y | 79 | 58y |
| BRORA PROPERTIES LIMITED→ SC262296 · est 2004 | £71.9k £61.1k–£82.7k | — | £71.9k | — | 22y | 80 | 82y |
| JOHNSTON PROPERTIES (ORKNEY) LIMITED→ SC632400 · est 2019 | £45.1k £38.3k–£51.9k | — | £45.1k | — | 6y | 79 | 71y |
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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 (1 active · 0 resigned)
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Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/01/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 20/10/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 16/10/2025 | — |