RAMCHEZ GR LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-02-27 (in 9mo)
Last made up 2026-02-13
Watchouts
Cash
£18M
+10.5% vs 2023
Net assets
£51M
-68.8% vs 2023
Employees
—
Average over period
Profit before tax
-£148M
-46.8% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
Uncertainty therefore remains as to the form and timing of secondary and potential further legislation, and its consequent effect on the Group's future cash flows and compliance with financial covenants. Should such measures materially reduce income or premiums, forecast cash flows would be expected to decline, likely leading to a breach of loan covenants. Any cap on ground rents will likely lead to an immediate breach of those financial covenants. Such a breach would constitute an Event of Default and the loan would then become repayable on demand. The Group would not have the resources available to meet such demand.
Net assets
2-year trend · vs Real Estate median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £10,516,856 | £11,266,262 | |
| Operating profit | £5,439,623 | £8,215,191 | |
| Profit before tax | -£100,972,267 | -£148,274,579 | |
| Net profit | -£81,998,947 | -£113,047,579 | |
| Cash | £16,188,075 | £17,892,294 | |
| Total assets less current liabilities | £683,312,023 | £541,786,920 | |
| Net assets | £164,341,412 | £51,293,833 | |
| Equity | £164,341,412 | £51,293,833 | |
| Average employees | — | — | |
| Wages | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 51.7% | 72.9% | |
| Net margin | -779.7% | -1003.4% | |
| Return on capital employed | 0.8% | 1.5% | |
| Current ratio | 1.88x | 1.79x | |
| Interest cover | 0.33x | 0.48x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- RSM UK Audit LLP, Statutory Auditor
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“Uncertainty therefore remains as to the form and timing of secondary and potential further legislation, and its consequent effect on the Group's future cash flows and compliance with financial covenants. Should such measures materially reduce income or premiums, forecast cash flows would be expected to decline, likely leading to a breach of loan covenants. Any cap on ground rents will likely lead to an immediate breach of those financial covenants. Such a breach would constitute an Event of Default and the loan would then become repayable on demand. The Group would not have the resources available to meet such demand.”
Group structure
- RAMCHEZ GR LIMITED · parent
- Dellmes GR Limited 100%
- Bradmoss Limited 100%
- CG Three Limited 100%
- Danecarr Limited 100%
- Fairhold Apollo Limited 100%
- Fairhold Artemis Limited 100%
- Fairhold Athena Limited 100%
- Fairhold Atlas Limited 100%
- Fairhold Freeholds No 2 Limited 100%
- Fairhold Homes (No 16) Limited 100%
Significant events
- “a prior period adjustment has been recognised to reflect the recognition of provisions for building safety remediation costs”
- “On 24 May 2024, the Leasehold and Freehold Reform Act 2024 received Royal Assent”
- “In October 2025, the High Court issued its judgment dismissing the judicial review brought by industry participants challenging aspects of the Government's leasehold reform measures contained in the 2024 Act”
- “On 4 August 2022 the group agreed undertakings with the CMA that ended the CMA's investigation into the wider group”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 1 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| LAU, Daniel | Secretary | 2019-07-10 | — | — |
| HALLAM, Paul | Director | 2019-07-10 | Nov 1975 | British |
| MCGILL, Christopher Charles | Director | 2015-02-13 | Apr 1960 | British |
| PROCTER, William Kenneth | Director | 2015-02-13 | May 1953 | British |
| WATSON, Michael David | Director | 2021-02-22 | Dec 1958 | British |
Show 1 resigned officer
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HALLAM, Paul | Secretary | 2015-02-13 | 2019-07-10 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 39 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-15 | CH01 | officers | Change person director company with change date | |
| 2026-03-25 | CH01 | officers | Change person director company with change date | |
| 2026-03-25 | CH01 | officers | Change person director company with change date | |
| 2026-03-25 | CH01 | officers | Change person director company with change date | |
| 2026-03-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-12 | AA | accounts | Accounts with accounts type group | |
| 2025-02-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-24 | AA | accounts | Accounts with accounts type group | |
| 2024-03-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-18 | AA | accounts | Accounts with accounts type group | |
| 2023-02-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-01-16 | AA | accounts | Accounts with accounts type group | |
| 2022-03-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-07-16 | AA | accounts | Accounts with accounts type group | |
| 2021-03-08 | AP01 | officers | Appoint person director company with name date | |
| 2021-02-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-07-31 | AA | accounts | Accounts with accounts type group | |
| 2020-03-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2019-08-02 | AP01 | officers | Appoint person director company with name date | |
| 2019-08-01 | AP03 | officers | Appoint person secretary company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+7.1%
£10,516,856 £11,266,262
-
Cash
+10.5%
£16,188,075 £17,892,294
-
Net assets
-68.8%
£164,341,412 £51,293,833
-
Employees
—
Not reported
-
Operating profit
+51%
£5,439,623 £8,215,191
-
Profit before tax
-46.8%
-£100,972,267 -£148,274,579
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers