1ST RATE INVESTMENT (UK) LIMITED

🌳Matureactive
05280362 · ltd · incorporated 2004-11-08
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£4.66M
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 77/100. Strong seller-intent signal (65/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 21.2y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 21.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
88 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
80/100Exceptional
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
75
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 · FRS 102
Positive net assets
Net assets £4,656,178
Cash draining
Cash down 89% YoY
Cash YoY
-89%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£24k
↓ 89% YoY
Net Worth
£4.7m
~ YoY
Current Assets
£25k
↓ 88% YoY
Current Liabilities
—
£0£931k£1.9m£2.8m£3.7m£4.7mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-292023-12-24
Total assets£4.66M£4.62M
Current assets£25.5k£215.2k
Cash£24.2k£214.0k
Debtors£1.3k£1.3k
Net assets£4.66M£4.62M

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

🔒Filing-note intelligence

3 signals 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2025-08-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-06-06
    📄
    accounts-with-accounts-type-group
    accounts · AA
  3. 2024-09-30
    📄
    accounts-with-accounts-type-group
    accounts · AA
  4. 2023-09-26
    📄
    accounts-with-accounts-type-group
    accounts · AA
  5. 2022-10-20
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2022-10-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2022-10-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-03-29
    📄
    accounts-with-accounts-type-group
    accounts · AA
  9. 2021-12-15
    📄
    accounts-with-accounts-type-group
    accounts · AA
  10. 2021-11-03
    📄
    accounts-amended-with-accounts-type-group
    accounts · AAMD
  11. 2021-10-25
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2021-10-25
    🔓
    Charge satisfied #3
  13. 2021-07-23
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2021-07-23
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  15. 2021-05-25
    📄
    accounts-with-accounts-type-group
    accounts · AA
  16. 2020-12-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2020-12-18
    🔒
    Charge registered #3
    Lender: Santander UK PLC as Security Trustee
  18. 2020-05-19
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  19. 2019-09-05
    📄
    accounts-with-accounts-type-group
    accounts · AA
  20. 2017-01-01
    ➕
    SULEMAN, Iqbal appointed
    director
  21. 2016-02-16
    ➕
    ABBASI, Zafar appointed
    director
  22. 2016-01-15
    ➖
    SADIGLI, Bakhtiyar resigned
    director
  23. 2013-12-21
    🔓
    Charge satisfied #1
  24. 2013-11-12
    ➖
    JANMOHAMED, Samirah resigned
    secretary
  25. 2013-11-12
    ➖
    JANMOHAMED, Aly Hassanali Moleaina resigned
    director
  26. 2013-11-12
    ➕
    SADIGLI, Bakhtiyar appointed
    director
  27. 2008-09-09
    🔓
    Charge satisfied #2
  28. 2005-04-08
    🔒
    Charge registered #2
    Lender: Peter Anthony Farrington (The Security Trustee)
  29. 2005-04-08
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC (Trading as Yorkshire Bank)
  30. 2004-11-08
    🏢
    Company incorporated
    As 1ST RATE INVESTMENT (UK) LIMITED
  31. 2004-11-08
    ➕
    JANMOHAMED, Samirah appointed
    secretary
  32. 2004-11-08
    ➕
    QA REGISTRARS LIMITED appointed
    corporate-nominee-secretary
  33. 2004-11-08
    ➖
    QA REGISTRARS LIMITED resigned
    corporate-nominee-secretary
  34. 2004-11-08
    ➕
    JANMOHAMED, Aly Hassanali Moleaina appointed
    director
  35. 2004-11-08
    ➕
    QA NOMINEES LIMITED appointed
    corporate-nominee-director
  36. 2004-11-08
    ➖
    QA NOMINEES LIMITED resigned
    corporate-nominee-director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

61/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 22 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Anar Ziya Mammadov
Individual · Azerbaijani · DOB 04/1981 · age 45
75–100%
—75-100% shares23/07/2021

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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00929837 · est 1968 · no financials extracted
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2004-11-08
Jurisdictionengland-wales
Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

Suite 201 Churchill House 120 Bunns Lane
London
NW7 2AS
United Kingdom

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-29
Confirmation statement
Next due: 2026-09-14
Last: 2025-08-31

Officers (2 active · 5 resigned)

ABBASI, Zafar→
director · ~56y · appointed 2016-02-16
View their other companies + combined net worth →
Active
SULEMAN, Iqbal→
director · ~59y · appointed 2017-01-01
View their other companies + combined net worth →
Active
JANMOHAMED, Samirah→
secretary · appointed 2004-11-08 · resigned 2013-11-12
Resigned
QA REGISTRARS LIMITED→
corporate-nominee-secretary · appointed 2004-11-08 · resigned 2004-11-08
Resigned
JANMOHAMED, Aly Hassanali Moleaina→
director · ~69y · appointed 2004-11-08 · resigned 2013-11-12
Resigned
SADIGLI, Bakhtiyar→
director · ~41y · appointed 2013-11-12 · resigned 2016-01-15
Resigned
QA NOMINEES LIMITED→
corporate-nominee-director · appointed 2004-11-08 · resigned 2004-11-08
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Santander
Santander UK PLC as Security Trustee
A registered charge1 property18/12/202025/10/2021
satisfied
Peter Anthony Farrington (The Security Trustee)
Debenture1 property08/04/200509/09/2008
satisfied
Virgin Money
Clydesdale Bank PLC (Trading as Yorkshire Bank)
Debenture1 property08/04/200521/12/2013

Recent filings (88 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-31
change-person-director-company-with-change-date
officers · CH01
2025-08-31
accounts-with-accounts-type-group
accounts · AA
2025-06-06
accounts-with-accounts-type-group
accounts · AA
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-11
accounts-with-accounts-type-group
accounts · AA
2023-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-31
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-20
change-person-director-company-with-change-date
officers · CH01
2022-10-20
change-person-director-company-with-change-date
officers · CH01
2022-10-20
accounts-with-accounts-type-group
accounts · AA
2022-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-16
accounts-with-accounts-type-group
accounts · AA
2021-12-15
accounts-amended-with-accounts-type-group
accounts · AAMD
2021-11-03