AB25 INVESTMENTS LTD
🌳Matureactive
10139873 · ltd · incorporated 2016-04-21
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 Apr 2025
Net worth
—
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
9 live charges · 6 lenders · oldest 10.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 10.0 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — 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, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
55 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
74
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 | 0 | 0 |
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
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
- 2026-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-22🔒Charge registered #9Lender: Aldermore Bank PLC
- 2024-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-01📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-01📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-01📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-01📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-01📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-01-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-14🔒Charge registered #8Lender: Together Commercial Finance Limited
- 2022-10-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-30🔒Charge registered #7Lender: Together Commercial Finance Limited
- 2021-02-03🔓Charge satisfied #4
- 2021-02-03🔓Charge satisfied #3
- 2021-02-03🔓Charge satisfied #2
- 2021-02-03🔓Charge satisfied #1
- 2020-02-21🔒Charge registered #6Lender: Paratus Amc Limited (Company Number 03489004)
- 2019-10-25🔒Charge registered #5Lender: Paratus Amc Limited
- 2016-07-28🔒Charge registered #4Lender: Paragon Mortgages (2010) Limited and Paragon Bank PLC
- 2016-07-28🔒Charge registered #3Lender: Paragon Bank PLC
- 2016-06-30🔒Charge registered #2Lender: Paragon Bank PLC
- 2016-06-30🔒Charge registered #1Lender: Paragon Mortgages (2010) Limited and Paragon Bank PLC
- 2016-04-21🏢Company incorporatedAs AB25 INVESTMENTS LTD
- 2016-04-21➕BHARADIA, Ashmee appointedsecretary
- 2016-04-21➕BHARADIA, Ashmee appointeddirector
- 2016-04-21➕BHARADIA, Bhumeetkumar appointeddirector
Owner dependency
66/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
41/100
Moderate signalSome 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
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Bhumeetkumar Bharadia Individual · British · DOB 04/1972 · age 54 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 21/04/2016 |
Mrs Ashmee Bharadia Individual · British · DOB 06/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/04/2016 |
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 · Property · MK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 247 PROPERTIES LTD→ 12150695 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 6-16 SAUNDERS FIELD (KEMPSTON) FREEHOLD LIMITED→ 16599631 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 75 GOLDINGTON ROAD MANAGEMENT LIMITED→ 03132530 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| 7ZERO8 VENTURES LTD→ 17086370 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 9KEG LTD→ 12140097 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AARONKS UK LIMITED→ 15009881 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AASK PROPERTY LTD→ 16717524 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AB PROPORT LTD→ 14889884 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABBAS PROPERTIES LIMITED→ 16060998 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABBEY MEWS MANAGEMENT COMPANY LIMITED→ 01610993 · est 1982 · no financials extracted | — | — | — | — | 44y | — | — |
| ABBEYMILL DEVELOPMENTS HOLDINGS LIMITED→ 11772579 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ABBEYMILL DEVELOPMENTS LIMITED→ 12514307 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2016-04-21
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
2 Waterloo Road
Bedford
MK40 3PQ
England
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-12-24
Last: 2025-12-10
Officers (3 active · 0 resigned)
Active
BHARADIA, Ashmee→
Activedirector · ~46y · appointed 2016-04-21
View their other companies + combined net worth →
BHARADIA, Bhumeetkumar→
Activedirector · ~54y · appointed 2016-04-21
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
5
Outstanding
4
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 2 properties | 22/11/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 14/11/2022 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 30/09/2022 | — | |
| outstanding | Paratus Amc (Company Number 03489004) Paratus Amc Limited (Company Number 03489004) | A registered charge | 1 property | 21/02/2020 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 25/10/2019 | — | |
| satisfied | Paragon Paragon Mortgages (2010) Limited and Paragon Bank PLC | A registered charge | — | 28/07/2016 | 03/02/2021 | |
| satisfied | Paragon Paragon Bank PLC | A registered charge | 1 property | 28/07/2016 | 03/02/2021 | |
| satisfied | Paragon Paragon Bank PLC | A registered charge | 1 property | 30/06/2016 | 03/02/2021 | |
| satisfied | Paragon Paragon Mortgages (2010) Limited and Paragon Bank PLC | A registered charge | — | 30/06/2016 | 03/02/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (55 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-03
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-01