ASHLOW KIRJAY
🌳Matureactive
09919254 · private-unlimited · incorporated 2015-12-16
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 4.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Security dealing on own account
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 80/100. 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 (73/100).
🏦
Refinance opportunity
1 live charge · oldest 4.6y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.6 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
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
5 connected companies via shared directors
60
Filing history
20 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.
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 (14 events)Click to expand
- 2025-09-25📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-25📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-10-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-09-27🔒Charge registered #1Lender: Coutts & Company
- 2018-10-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-10-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-09-15📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2016-01-21📄capital-allotment-new-class-of-sharescapital · SH09
- 2015-12-29📄resolutionresolution · RESOLUTIONS
- 2015-12-16🏢Company incorporatedAs ASHLOW KIRJAY
- 2015-12-16➕VIRK, Satvinder Singh appointeddirector
- 2015-12-16➕VIRK, Sian Elizabeth appointeddirector
- 2015-12-16📄incorporation-companyincorporation · NEWINC
Owner dependency
79/100
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.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
51/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- 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
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 Satvinder Singh Virk Individual · British · DOB 10/1967 · age 59 | — | 25–50% | 25-50% voting | 06/04/2016 |
Mrs Sian Elizabeth Virk Individual · British · DOB 06/1965 · age 61 | — | 25–50% | 25-50% voting | 06/04/2016 |
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 →Similar companies
Active · Financial services · LS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2410 TRADING LIMITED→ 16903740 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| APPLIED CREDIT LIMITED→ 15576733 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| APPLIED CRISIS UNDERWRITERS LIMITED→ 15996511 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AQL (FINANCIAL) LIMITED→ 08614368 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ASSET FINANCE UK CASHFLOW LIMITED→ 07674164 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ATTIS INSURANCE BROKERS LTD→ 12955173 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AUGUSTA FAMILY INVESTMENTS→ 17089615 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AVID INSURANCE SERVICES LIMITED→ 04885807 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| AYATUNI PROPERTY LTD→ 16895665 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BARTLETT & COMPANY LIMITED→ 00364202 · est 1940 · no financials extracted | — | — | — | — | 85y | — | — |
| BARTLETT GROUP LIMITED→ 00945137 · est 1969 · no financials extracted | — | — | — | — | 57y | — | — |
| BARTLETT UNDERWRITING LIMITED→ 16324599 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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.
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See pricing →Company details
Statusactive
Typeprivate-unlimited
Incorporated2015-12-16
Jurisdictionengland-wales
Primary SIC64991 — Security dealing on own account
Registered office
Gresham House 5-7 St Pauls Street
Leeds
West Yorkshire
LS1 2JG
United Kingdom
Filing status
Accounts
Next due: —
Last made up to: —
Confirmation statement
Next due: 2026-10-11
Last: 2025-09-27
Officers (2 active · 0 resigned)
VIRK, Satvinder Singh→
Activedirector · ~59y · appointed 2015-12-16
View their other companies + combined net worth →
VIRK, Sian Elizabeth→
Activedirector · ~61y · appointed 2015-12-16
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | NatWest Group Coutts & Company | A registered charge | 1 property | 27/09/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (20 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-10
change-person-director-company-with-change-date
officers · CH01
2025-09-25
change-person-director-company-with-change-date
officers · CH01
2025-09-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-10-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-10-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-10-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-10-04
confirmation-statement-with-updates
confirmation-statement · CS01
2017-09-27