789 INVESTMENTS LIMITED
🌳Matureactive
05798051 · ltd · incorporated 2006-04-27
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 Apr 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
ALSO REGISTERED FOR
- 64929Other credit granting n.e.c.
Investor take
PursueActive trading company with a 64-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 67/100. Strong seller-intent signal (80/100, director aged 64). 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 19.8y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 19.8 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 6 with DOB)
87
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
72 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 accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Average employees | 200 | 300 |
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
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2025-12-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-12-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-07🔒Charge registered #3Lender: The Bank of East Asia, Limited
- 2022-09-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-09-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-02-22🔓Charge satisfied #2
- 2020-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-07-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-06-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-06-25🔒Charge registered #2Lender: Barclays Bank PLC
- 2017-10-11➕QIN, Rongmin appointeddirector
- 2015-09-17➖CHEUNG, Wan Loi resigneddirector
- 2015-07-30🔓Charge satisfied #1
- 2015-01-13➕CHEUNG, Wan Loi appointeddirector
- 2014-07-23➖CHENG, Yan, Dr resignedsecretary
- 2014-07-23➖CHENG, Yan, Dr resigneddirector
- 2014-07-23➖QIN, Rongmin resigneddirector
- 2013-04-28➕QIN, Rongmin appointeddirector
- 2013-04-28➖QIN, Ruihua resigneddirector
- 2006-07-27🔒Charge registered #1Lender: Royal Bank of Scotland PLC
- 2006-04-27🏢Company incorporatedAs 789 INVESTMENTS LIMITED
- 2006-04-27➕QIN, Ruiya appointeddirector
- 2006-04-27➕CHENG, Yan, Dr appointedsecretary
- 2006-04-27➕CHENG, Yan, Dr appointeddirector
- 2006-04-27➕QIN, Ruihua appointeddirector
Owner dependency
76/100
High — earn-out structure requiredMaterial 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.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Rongmin Qin Individual · British · DOB 08/1986 · age 40 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 11/10/2017 |
Mr Zhen Qin Individual · Chinese · DOB 03/1991 · age 35 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 08/12/2025 |
1 historic (ceased) PSC
- Mr Ruiya Qinceased 07/09/2022· significant influence
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 →Similar companies
Active · Financial services · S postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1F GROUP LIMITED→ 16305749 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 4 WARD FINANCE LTD→ 11936926 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ABACUS PORTFOLIO MANAGEMENT LIMITED→ 03915043 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| ABBEYDALE MORTGAGES LIMITED→ 13879815 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ABODE FINANCIAL LTD→ 14878383 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABODE MORTGAGE SERVICES LIMITED→ 14838866 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AC FAMILY PROTECTION LTD→ 17038912 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACCESS 4 FINANCE LIMITED→ 07237331 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| ACCESS COMMERCIAL LENDING LIMITED→ 10163779 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACCESS CREDIT CONTROL LTD→ 07767413 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ACCESS MONEY (GROUP) LIMITED→ 12783345 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ACCESS TO GROWTH GM LIMITED→ 10816583 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2006-04-27
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
Office One
10 New Era Square
Sheffield
S2 4BF
United Kingdom
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-03-21
Last: 2026-03-07
Officers (2 active · 5 resigned)
QIN, Rongmin→
Activedirector · ~40y · appointed 2017-10-11
View their other companies + combined net worth →
Active
CHENG, Yan, Dr→
Resignedsecretary · appointed 2006-04-27 · resigned 2014-07-23
CHENG, Yan, Dr→
Resigneddirector · ~67y · appointed 2006-04-27 · resigned 2014-07-23
CHEUNG, Wan Loi→
Resigneddirector · ~65y · appointed 2015-01-13 · resigned 2015-09-17
QIN, Rongmin→
Resigneddirector · ~40y · appointed 2013-04-28 · resigned 2014-07-23
QIN, Ruihua→
Resigneddirector · ~56y · appointed 2006-04-27 · resigned 2013-04-28
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Bank of East Asia, The Bank of East Asia, Limited | A registered charge | — | 07/10/2022 | — | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 2 properties | 25/06/2018 | 22/02/2021 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Legal charge | 1 property | 27/07/2006 | 30/07/2015 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (72 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-12-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-17
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-09-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-09-07
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-23