11 ST. CROSS STREET LIMITED

🌳Matureactive
09710505 · ltd · incorporated 2015-07-30
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 10.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
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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 strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

1 live charge · oldest 10.6y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 10.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (82/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
Average employees00

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2025-07-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-07-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-07-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-10-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-10-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2023-09-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-07-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-07-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2023-03-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2023-03-03
    🔓
    Charge satisfied #1
  11. 2022-10-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-08-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2022-07-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2021-11-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2020-10-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-11-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2018-10-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2017-10-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2015-10-02
    🔒
    Charge registered #1
    Lender: Yorkshire Building Society Trading as Norwich & Peterborough Building Society
  20. 2015-07-30
    🏢
    Company incorporated
    As 11 ST. CROSS STREET LIMITED
  21. 2015-07-30
    ➕
    BANIN, Ariel Shalom appointed
    director
  22. 2015-07-30
    ➕
    BANIN, Joseph appointed
    director

Owner dependency

71/100
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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

41/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Ariel Shalom Banin
Individual · British · DOB 09/1974 · age 52
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence06/04/2016
Mr Joseph Banin
Individual · British · DOB 05/1973 · age 53
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence06/04/2016

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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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
Incorporated2015-07-30
Jurisdictionengland-wales
Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

166 College Road
Harrow
Middlesex
HA1 1BH
United Kingdom

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-08-12
Last: 2025-07-29

Officers (2 active · 0 resigned)

BANIN, Ariel Shalom→
director · ~52y · appointed 2015-07-30
View their other companies + combined net worth →
Active
BANIN, Joseph→
director · ~53y · appointed 2015-07-30
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Yorkshire Building Society Trading as Norwich & Peterborough Building Society
A registered charge—02/10/201503/03/2023

Recent filings (31 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-16
change-person-director-company-with-change-date
officers · CH01
2025-07-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-14
change-person-director-company-with-change-date
officers · CH01
2023-10-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-31
change-person-director-company-with-change-date
officers · CH01
2023-07-24
change-person-director-company-with-change-date
officers · CH01
2023-07-24
mortgage-satisfy-charge-full
mortgage · MR04
2023-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-01