ABY LIMITED
🌳Matureactive
09957348 · ltd · incorporated 2016-01-18
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 9.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£9.5k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
3 live charges · oldest 9.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £9,498
Key financials
2 years extracted from filed iXBRL accountsCash
£3k
Net Worth
£9k
↑ 177% YoY
Current Assets
£3k
↓ 74% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £455.3k | £71.5k |
| Current assets | £3.5k | £13.4k |
| Cash | £3.5k | — |
| Net assets | £9.5k | £3.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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 (25 events)Click to expand
- 2025-10-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-04📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-12-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-12-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-12-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-12-07➕YASEEN, Muhammad Abdullah appointeddirector
- 2022-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-10-02➕ATIF, Zunaira appointeddirector
- 2017-03-03🔒Charge registered #3Lender: Habibsons Bank Limited
- 2017-03-03🔒Charge registered #2Lender: Habibsons Bank Limited
- 2017-03-03🔒Charge registered #1Lender: Habibsons Bank Limited
- 2016-01-18🏢Company incorporatedAs ABY LIMITED
- 2016-01-18➕YASEEN, Atif appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
35/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- 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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Zunaira Atif Individual · Pakistani · DOB 06/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 07/12/2022 |
Mr Muhammad Abdullah Yaseen Individual · American · DOB 07/2006 · age 20 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 07/12/2022 |
Mr Atif Yaseen Individual · Pakistani · DOB 08/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| A CHALMERS SERVICES LIMITED→ 16199379 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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| ABCO ENTERPRISES LIMITED→ 01755453 · est 1983 · no financials extracted | — | — | — | — | 42y | — | — |
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| ABLE CONTRACTS REFURBISHMENT LTD→ 03456630 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| ABRS BUILDING SERVICES LIMITED→ 16446971 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2016-01-18
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects
Registered office
63 London Street
Reading
RG1 4PS
England
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-11-11
Last: 2025-10-28
Officers (3 active · 0 resigned)
ATIF, Zunaira→
Activedirector · ~46y · appointed 2017-10-02
View their other companies + combined net worth →
YASEEN, Atif→
Activedirector · ~51y · appointed 2016-01-18
View their other companies + combined net worth →
YASEEN, Muhammad Abdullah→
Activedirector · ~20y · appointed 2022-12-07
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Habibsons Bank Habibsons Bank Limited | A registered charge | 1 property | 03/03/2017 | — | |
| outstanding | Habibsons Bank Habibsons Bank Limited | A registered charge | — | 03/03/2017 | — | |
| outstanding | Habibsons Bank Habibsons Bank Limited | A registered charge | — | 03/03/2017 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (36 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-06
change-person-director-company-with-change-date
officers · CH01
2025-05-06
change-person-director-company-with-change-date
officers · CH01
2025-05-06
change-person-director-company-with-change-date
officers · CH01
2025-05-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-04
change-person-director-company-with-change-date
officers · CH01
2025-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-12-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-12-28