Property · UK · UKCRE
UK corporate landlords carrying both a charge and a distress signal
The screened half of the landlord population: companies holding ten or more registered property titles that carry at least one outstanding charge and at least one filed or published sign of difficulty. A shortlist rather than a market map.
- One row per landlord meeting the charge-and-distress screen.
- 4,686
- Title registrations from January 2010; register and notice snapshots to August 2026.
- Quarterly
What this answers
Which UK corporate landlords a lender should already be worried about. It is the same underlying build as the full property map, run through a screen that requires two things at once: a charge on the portfolio, and a fact in the public record that says the owner is under strain.
The screen exists because the unscreened file is a market map and this is a call list. 13,269 landlords is a research population. 4,686 is a quarter’s work for a restructuring desk.
The screen, stated exactly
A landlord reaches this file when it holds ten or more registered titles, and carries at least one outstanding registered charge, and at least one of the four distress facts is true of it — balance-sheet insolvency, a current ratio below one, an overdue statutory filing, or a matched insolvency notice.
Both conjunctions matter. Drop the charge requirement and the population roughly doubles into companies no lender has an interest in. Drop the distress requirement and it becomes the property map.
Why the charge requirement is the interesting one
charges_per_title is in the preview above because it is the column that
separates a leveraged portfolio from a large one. A landlord with 166 titles and
0.33 charges per title has financed roughly a third of its holdings. A landlord
with 54 titles and 0.02 has financed almost none, and its presence in this file
is driven by its filings rather than by its lending.
Those are different conversations, and the file does not collapse them into one number.
What travels with it
Three files: the ranked screen, the full landlord entity record, and the identifier crosswalk. There is no postcode-area breakdown here — that is part of the wider property map rather than the shortlist. The complete column dictionary is below.
What it does not claim
Stated before the sample rather than after them. Everything below is a measured property of the file, not a legal hedge — if one of these is the reason the file will not work for you, that is worth knowing in the first five minutes rather than the fifth week.
- This is a subset of UKCREMAP, not a different measurement of the same thing. If you want the whole ten-or-more-title market rather than the screened shortlist, UKCREMAP is the file, and buying both gets you one population twice.
- The screen requires a registered charge. A landlord that owns its portfolio outright and is in genuine difficulty does not appear, because the screen is looking for a lender with an interest as much as for a company in trouble.
- 9,749 of the 13,269 landlords carry at least one registered charge; 4,686 of those also carry a filed distress signal. The step from the first number to the second is where the screen does its work, and it is the number to challenge if the file looks small.
- The distress score ranks within this edition and is not comparable across editions. It is not a probability of default and must not be presented to a credit committee as one.
- Insolvency notices are matched on normalised name, because the notice prints no company number. Rows carry a flag saying whether the normalised name was unique on the register.
Preview
Five rows from the 2026.08 edition, built on 25 August 2026 against a mirror of the production lake. Identifying columns — company number, registered name, title numbers — are withheld from this preview and ship in the licensed file.
| rank | distress_score | title_count | charges_per_title | current_ratio | accounts_overdue_days | registered_office_region |
|---|---|---|---|---|---|---|
| 1 | 98.94 | 17 | 0.2941 | 0.027 | 424 | South East |
| 2 | 94.13 | 23 | 0.0870 | 0.155 | 693 | South East |
| 3 | 85.52 | 166 | 0.3313 | 0.089 | 238 | Yorkshire and The Humber |
| 4 | 82.30 | 54 | 0.0185 | 0.090 | 2428 | North West |
| 5 | 77.68 | 72 | 0.0139 | 0.343 | 2428 | — |
The full sample pack carries every column, roughly a hundred rows per file, the methodology note and the licence. Ask for it against the ID.
Request the UKCRE sample pack →Column dictionary
Generated from the built release, not written by hand. A column that passes through unchanged inherits its definition from the publisher's own contract; a column we derive carries prose written against the query that produces it. Both directions reconcile — every column produced has a definition, and every definition names a column that is produced.
distressed_landlords
- org_id Our resolved organisation identifier. Stable across editions and the join key for every file in this pack.
- rank Position by distress_score within this edition. Ties broken by title_count then company_number so a rebuild is byte-identical. Not comparable across editions.
- distress_score 0-100. Weighted sum of the four components below, each scaled to 0-1. A landlord filing nothing we can read scores on its filing conduct and its insolvency notices alone, and 3,301 of the 13,269 are in that position — read has_financials before reading the score.
- distress_drivers Which components actually contributed, pipe-joined, each with the value behind it. The score's reasons, so it can be defended rather than quoted.
- distress_signals How many of the four components fired on this row. 0 means nothing in the open register or the insolvency feed says this landlord is in difficulty.
- meets_headline_screen True where the landlord carries a registered charge AND at least one of the four distress facts — balance-sheet insolvency, a current ratio below 1, overdue accounts, or a matched insolvency notice. 4,686 of 13,269. Deliberately a test on facts rather than on distress_signals, which counts only components whose scaled value is above zero and so drops a notice older than five years.
- company_number The UK company number. Eight characters, zero-padded, sometimes with a jurisdiction prefix (SC, NI, OC, SO). The strongest organisational identifier we hold.
- legal_name Registered name of the company at the time of the snapshot.
- company_status Register status, e.g. Active, Dissolved, Liquidation, In Administration.
- title_count Distinct title numbers held. Compare against the ten in the column above before assuming it is the whole portfolio.
- largest_postcode_area The postcode area holding most of this portfolio's titles.
- titles_in_largest_area Titles held in largest_postcode_area.
- mortgages_outstanding Number of outstanding mortgage charges. A secured-lending signal.
- has_outstanding_charge True where the register shows at least one outstanding charge. The existence of a charge only — no amount, no date, no chargeholder is published anywhere.
- charges_per_title mortgages_outstanding divided by title_count. A leverage proxy, and deliberately not a score component.
- balance_sheet_insolvent True where filed net assets are negative. An arithmetic test on filed accounts, never a determination by a court or an office holder.
- net_assets Net assets as filed, GBP.
- current_ratio current_assets divided by creditors_within_one_year, as computed on the resolved spine. Below 1 means the filed balance sheet cannot meet short-term liabilities from short-term assets.
- working_capital current_assets minus creditors_within_one_year, GBP.
- has_financials True where we hold a filed financial position. 9,968 of 13,269.
- financials_period_end Balance-sheet date of the latest filed accounts the score was computed from. A stale date is itself a signal and is published rather than hidden.
- accounts_overdue_days Days between accounts_next_due_date and register_as_of, where overdue.
- overdue_filings How many of the two statutory filings are past due at the register snapshot. 0, 1 or 2.
- gazette_notice_count Corporate insolvency notices matched to this landlord by normalised name. 0 means no notice matched, never that no notice exists.
- latest_gazette_notice_date published_at of the most recent matched notice.
- latest_gazette_notice_type notice_type of the most recent matched notice.
- gazette_name_is_unique False where the normalised name is shared with another company in the open spine, so the notice may belong to the other. 72 of 13,269.
- register_as_of The register snapshot this edition was cut from, derived from the register's own overdue flags rather than the clock.
- gazette_as_of The most recent notice date in the whole insolvency-notice feed, 2026-08-21, which is what notice recency is measured against.
- registered_office_region Statistical region of the registered office. Where the landlord is administered, not where the portfolio is.
- release_id The release this row was published in. Quote it in any support question and we can name the exact build it came from.
landlords
- org_id Our resolved organisation identifier. Stable across editions and the join key for every file in this pack.
- company_number The UK company number. Eight characters, zero-padded, sometimes with a jurisdiction prefix (SC, NI, OC, SO). The strongest organisational identifier we hold.
- legal_name Registered name of the company at the time of the snapshot.
- company_status Register status, e.g. Active, Dissolved, Liquidation, In Administration.
- is_active True where the register shows the company active. 13,101 of the 13,269 landlords are; 168 are not and are kept, because a dissolved landlord's titles are exactly what a broker is looking for.
- incorporation_date Date the company was incorporated.
- age_years Whole years from incorporation to the register snapshot.
- sic_code_1 Primary SIC 2007 code, extracted from the publisher's combined code-and-text field.
- sic_description_1 Primary SIC description.
- sic_section Single-letter SIC 2007 section derived from sic_code_1. 8,562 of 13,269 landlords are section L, real estate; 358 file no SIC code at all.
- size_band Our size banding — dormant, micro, small, medium, large — inferred from filed employees, turnover and balance-sheet totals, not declared by the company.
- title_count Distinct title numbers held. Compare against the ten in the column above before assuming it is the whole portfolio.
- proprietorship_rows Rows in property_title for this organisation. Exceeds title_count where the organisation holds more than one proprietor position on the same title.
- postcodes_held Distinct property postcodes across the portfolio. A measure of how spread the holding is, not of how many buildings it is.
- titles_without_postcode Proprietorships in this portfolio whose postcode the publisher left empty. Those rows carry no geography and are absent from 04_RELATIONSHIPS.
- postcode_areas_held Distinct postcode areas — the leading letters of the postcode, e.g. M for Manchester — across the portfolio.
- largest_postcode_area The postcode area holding most of this portfolio's titles.
- titles_in_largest_area Titles held in largest_postcode_area.
- portfolio_concentration titles_in_largest_area divided by the titles that carry a postcode. 1.0 is a portfolio in one postcode area; low values are a national holding.
- mortgages_outstanding Number of outstanding mortgage charges. A secured-lending signal.
- has_outstanding_charge True where the register shows at least one outstanding charge. The existence of a charge only — no amount, no date, no chargeholder is published anywhere.
- charges_per_title mortgages_outstanding divided by title_count. A leverage proxy, and deliberately not a score component.
- accounts_overdue True where the register shows the annual accounts past their due date. 398 of 13,269.
- accounts_overdue_days Days between accounts_next_due_date and register_as_of, where overdue.
- accounts_next_due_date Date the next set of accounts is due. Overdue filings are a risk signal.
- confirmation_overdue True where the confirmation statement is past its due date. 1,025 of 13,269.
- overdue_filings How many of the two statutory filings are past due at the register snapshot. 0, 1 or 2.
- register_as_of The register snapshot this edition was cut from, derived from the register's own overdue flags rather than the clock.
- financials_period_end Balance-sheet date of the latest filed accounts the score was computed from. A stale date is itself a signal and is published rather than hidden.
- net_assets Net assets as filed, GBP.
- current_assets Current assets as filed, GBP.
- creditors_within_one_year Creditors falling due within one year as filed, GBP.
- current_ratio current_assets divided by creditors_within_one_year, as computed on the resolved spine. Below 1 means the filed balance sheet cannot meet short-term liabilities from short-term assets.
- working_capital current_assets minus creditors_within_one_year, GBP.
- balance_sheet_insolvent True where filed net assets are negative. An arithmetic test on filed accounts, never a determination by a court or an office holder.
- average_employees Average employees during the latest filed period. Most property holding companies file none.
- has_financials True where we hold a filed financial position. 9,968 of 13,269.
- gazette_notice_count Corporate insolvency notices matched to this landlord by normalised name. 0 means no notice matched, never that no notice exists.
- latest_gazette_notice_date published_at of the most recent matched notice.
- latest_gazette_notice_type notice_type of the most recent matched notice.
- gazette_name_is_unique False where the normalised name is shared with another company in the open spine, so the notice may belong to the other. 72 of 13,269.
- registered_office_postcode Postcode of the registered office. The main join key into Location until a UPRN is resolved.
- registered_office_region Statistical region of the registered office. Where the landlord is administered, not where the portfolio is.
- registered_office_town Post town of the registered office, resolved from its postcode.
- grid_address_id Our resolved address identifier for the registered office. Two landlords sharing one are administered from the same place.
- companies_at_address How many companies are registered at this landlord's registered office, over the full UK register. A high count is a formation agent or a virtual office, not a finding.
- release_id The release this row was published in. Quote it in any support question and we can name the exact build it came from.
crosswalk
- org_id Our resolved organisation identifier. Stable across editions and the join key for every file in this pack.
- company_number The UK company number. Eight characters, zero-padded, sometimes with a jurisdiction prefix (SC, NI, OC, SO). The strongest organisational identifier we hold.
- legal_name Registered name of the company at the time of the snapshot.
- name_normalised Upper-cased, non-alphanumerics replaced by spaces, runs of spaces collapsed. The exact expression 05_EVENTS/gazette_notices.csv matches on, so that join can be reproduced or challenged.
- companies_house_number UK company number as the resolved spine holds it, accepting both spellings of the scheme.
- other_company_numbers Any further UK company numbers the same resolved organisation carries, pipe-joined. Non-null only where entity resolution merged more than one registration.
- lei Legal Entity Identifier, where we hold one. Held for 1,120 of the 13,269 landlords.
- charity_number Charity register number, where the landlord is also a registered charity. Held for 322 of 13,269 — housing associations and almshouse trusts.
- identifier_count How many identifiers of any scheme we hold against this organisation. A one means the company number is the only way in.
- hm_land_registry_title_numbers Up to the first ten registered title numbers held, pipe-joined and ordered. The complete list is 05_EVENTS/titles.csv.
- title_count Distinct title numbers held. Compare against the ten in the column above before assuming it is the whole portfolio.
- largest_postcode_area The postcode area holding most of this portfolio's titles.
- registered_office_postcode Postcode of the registered office. The main join key into Location until a UPRN is resolved.
- grid_address_id Our resolved address identifier for the registered office. Two landlords sharing one are administered from the same place.
- registered_office_town Post town of the registered office, resolved from its postcode.
- registered_office_region Statistical region of the registered office. Where the landlord is administered, not where the portfolio is.
- country Country of the registered office, resolved through a postcode directory rather than from the register's own address line.
- release_id The release this row was published in. Quote it in any support question and we can name the exact build it came from.
Licence and delivery
- CSV · Parquet
- Presigned download of a single archive, with the release ID stamped into every row.
- None. The population is companies, and the build refuses any column an upstream contract declares as personal data.
- Every upstream source is open, permits redistribution and permits resale — which is why this file is in the catalogue at all. The clearance is checked column by column at build time, and a file that fails it is not cut.
- Named in the sample pack and in the delivered files, with the attribution each licence requires, rather than on this page. Which registers combine to make a product is the part of this work we do not publish.
Enquiries
Quote UKCRE at data@inference.institute. It is the same code the build and the release manifests use, so an enquiry carrying it lands against exactly this product.
Next step
Evaluate it before you commit to it.
The sample pack has the real schema and a watermarked extract, so the question of whether this file answers yours is settled with data rather than with a call.