A & B PROPERTY INVESTMENTS (UK) LIMITED
🌳Matureactive
06128879 · ltd · incorporated 2007-02-27
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£450
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Family succession underway — not a classic acquisition target.
Opportunity 79/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
8 live charges · 5 lenders · oldest 19.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 19.2 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
61 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
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £450
Net assets shrinking
Down £8,064 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£450
↓ 95% YoY
Current Assets
£22k
↓ 12% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £1.25M | £1.26M |
| Current assets | £22.0k | £24.9k |
| Net assets | £450 | £8.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
- 2026-01-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-03-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-09-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-27➕BAL, Manjinder Kaur appointeddirector
- 2022-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-12-01➕BAL, Kalwant Kaur appointedsecretary
- 2020-12-01➕BAL, Amarjit Singh appointeddirector
- 2020-12-01➖BAL, Amarjit Singh resignedsecretary
- 2020-12-01📄capital-allotment-sharescapital · SH01
- 2020-12-01📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2020-12-01📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-11-25🔒Charge registered #8Lender: Paragon Bank PLC
- 2020-06-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-11-29🔒Charge registered #7Lender: Charter Court Financial Services Limited
- 2019-08-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-08-29🔒Charge registered #6Lender: Charter Court Financial Services Limited
- 2019-06-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-07-12🔒Charge registered #5Lender: Axis Bank UK Limited
- 2017-05-02➕BAL, Amarjit Singh appointedsecretary
- 2017-05-02➖BAL, Kalwant Kaur resignedsecretary
- 2016-11-23➖BAL, Amarjit Singh resigneddirector
- 2016-03-22➖BAL, Amarjit Singh resignedsecretary
- 2016-03-22➕BAL, Kalwant Kaur appointedsecretary
- 2016-03-22➕BAL, Amarjit Singh appointeddirector
- 2015-01-09🔒Charge registered #4Lender: Onesavings Bank PLC
- 2008-01-21🔒Charge registered #3Lender: Mortgage Express
- 2007-06-26🔒Charge registered #2Lender: Mortgage Express
- 2007-05-17🔒Charge registered #1Lender: Mortgage Express
- 2007-02-27🏢Company incorporatedAs A & B PROPERTY INVESTMENTS (UK) LIMITED
- 2007-02-27➕BAL, Baldev Singh appointeddirector
- 2007-02-27➕BAL, Amarjit Singh appointedsecretary
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 71 — succession pressure is live.
Succession & seller-readiness
43/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFamily succession underway: Not a takeover target — BAL, Manjinder Kaur (same surname) appointed 2023-02-27. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 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
1 low8 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Amarjit Singh Bal Individual · British · DOB 02/1983 · age 43 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 27/02/2025 |
1 historic (ceased) PSC
- Mr Baldev Singh Balceased 27/02/2025· 75-100% shares · 75-100% voting · board control
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
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|---|---|---|---|---|---|---|---|
| AA HOLDING SERVICES LTD→ 13194779 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AAA AHMED LTD→ 13219403 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AAP TOOR LIMITED→ 16186198 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AARA INVESTMENTS LIMITED→ 16177506 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AARAV PATEL ESTATE LTD→ 15130167 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AAS PROPERTY MANAGEMENT LTD→ 16990440 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AAVISHKAAR CAPITAL LIMITED→ 13762588 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AB CONTINENTAL FURNISHINGS LIMITED→ 03721937 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| AB WOOD PROPERTY LIMITED→ 14843302 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABACUS PROPERTY SERVICES (U.K.) LTD.→ 03103599 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| ABACUS RES HOLDINGS LIMITED→ 13334113 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABBEY & JACKSON LTD→ 16282788 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2007-02-27
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
29 Barley Lane, Goodmayes
Ilford
Essex
IG3 8XD
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-03-13
Last: 2026-02-27
Officers (4 active · 4 resigned)
Active
BAL, Amarjit Singh→
Activedirector · ~43y · appointed 2020-12-01
View their other companies + combined net worth →
BAL, Baldev Singh→
Activedirector · ~71y · appointed 2007-02-27
View their other companies + combined net worth →
BAL, Manjinder Kaur→
Activedirector · ~39y · appointed 2023-02-27
View their other companies + combined net worth →
BAL, Amarjit Singh→
Resignedsecretary · appointed 2017-05-02 · resigned 2020-12-01
BAL, Amarjit Singh→
Resignedsecretary · appointed 2007-02-27 · resigned 2016-03-22
BAL, Kalwant Kaur→
Resignedsecretary · appointed 2016-03-22 · resigned 2017-05-02
BAL, Amarjit Singh→
Resigneddirector · ~43y · appointed 2016-03-22 · resigned 2016-11-23
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
8
Outstanding
5
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 25/11/2020 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 29/11/2019 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 29/08/2019 | — | |
| outstanding | Axis Bank UK Axis Bank UK Limited | A registered charge | 2 properties | 12/07/2017 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 09/01/2015 | — | |
| outstanding | Mortgage Express | Mortgage | 1 property | 21/01/2008 | — | |
| outstanding | Mortgage Express | Mortgage | 1 property | 26/06/2007 | — | |
| outstanding | Mortgage Express | Mortgage | 1 property | 17/05/2007 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (61 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-10
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-01
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-01
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-01
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-28
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-16
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-28
appoint-person-director-company-with-name-date
officers · AP01
2023-02-28
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-28
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-16
confirmation-statement-with-updates
confirmation-statement · CS01
2021-02-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-12-17