AIB PROPERTY DEVELOPMENTS LIMITED

🏛️Establishedactive

11159764 · ltd · incorporated 2018-01-19

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 Jan 2026

Net worth

—

book net assets

Opportunity

70/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pursue

Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 70/100 (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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

8 live charges · 4 lenders · oldest 8.3y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 8.3 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

Lenders & charges

8 charges (8/8 with lender, 8/8 with type)

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

2 connected companies via shared directors

Filing history

31 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

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

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2026-01-31	2025-01-31

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

filings

Last 90 days

filings

Last 180 days

filings

• 1 accounts
• 1 mortgage
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (29 events)Click to expand

2026-04-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-24
🔒
Charge registered #8
Lender: The Mortgage Works (UK) PLC
2025-03-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-05
📄
change-person-director-company-with-change-date
officers · CH01
2025-01-30
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-29
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-29
🔒
Charge registered #7
Lender: Paragon Bank PLC
2025-01-28
🔒
Charge registered #6
Lender: Paragon Bank PLC
2024-02-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-23
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-12-22
🔒
Charge registered #5
Lender: The Mortgage Works (UK) PLC
2020-07-09
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-05-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-17
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-02-14
🔒
Charge registered #4
Lender: Keystone Property Finance Limited
2019-02-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-12-21
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-12-21
🔓
Charge satisfied #2
2018-12-20
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2018-12-07
🔒
Charge registered #3
Lender: The Mortgage Works (UK) PLC
2018-12-07
🔒
Charge registered #2
Lender: The Mortgage Works (UK) PLC
2018-09-24
➕
BUGAJSKA, Ilona Maria appointed
director
2018-03-28
🔒
Charge registered #1
Lender: Charter Court Financial Services Limited
2018-01-19
🏢
Company incorporated
As AIB PROPERTY DEVELOPMENTS LIMITED
2018-01-19
➕
BUGAJSKI, Andrzej Mariusz appointed
director

Owner dependency

63/100

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.
+No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

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

Red flags

1 low

7 live charges

low

Heavily 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
Mrs Ilona Maria Bugajska Individual · Polish · DOB 09/1981 · age 45	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	24/09/2018
Mr Andrzej Mariusz Bugajski Individual · Polish · DOB 03/1973 · age 53	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	19/01/2018

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 · WF postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
A K M PROPERTIES (YORKSHIRE) LIMITED→ 12761558 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
A.I.P. COMPRESSORS LIMITED→ 16409149 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ADEL PROPERTY SOLUTIONS LTD→ 14547545 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ADNAR LIMITED→ 11858018 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
ADS NORTH EAST LTD→ 12464971 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
AHN PROPERTY LTD→ 12514972 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
AHQ HOLDINGS LTD→ 12302766 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
AIF PROPERTY LTD→ 16803386 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AIRE VIEW PROPERTIES LTD→ 12655208 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
AJ PROPERTY RENTALS LTD→ 15678162 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AJAX PROPERTIES (YORKSHIRE) LTD→ 11695903 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
AJD HOMES LTD→ 10054896 · est 2016 · no financials extracted	—	—	—	—	10y	—	—

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

Incorporated2018-01-19

Jurisdictionengland-wales

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

70-72 Bottom Boat Road

Stanley

Wakefield

WF3 4AX

United Kingdom

Filing status

Accounts

Next due: 2027-10-31

Last made up to: 2026-01-31

Confirmation statement

Next due: 2027-02-12

Last: 2026-01-29

Officers (2 active · 0 resigned)

BUGAJSKA, Ilona Maria→

director · ~45y · appointed 2018-09-24

View their other companies + combined net worth →

Active

BUGAJSKI, Andrzej Mariusz→

director · ~53y · appointed 2018-01-19

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:8 of 8 shown

		Type	Properties
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	24/02/2026	—
outstanding	Paragon Paragon Bank PLC	A registered charge	1 property	29/01/2025	—
outstanding	Paragon Paragon Bank PLC	A registered charge	1 property	28/01/2025	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	22/12/2020	—
outstanding	Keystone Property Finance Keystone Property Finance Limited	A registered charge	1 property	14/02/2020	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	07/12/2018	—
satisfied	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	07/12/2018	21/12/2018
outstanding	Precise Mortgages Charter Court Financial Services Limited	A registered charge	1 property	28/03/2018	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (31 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-04-20

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2026-02-25

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-02-13

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-03-13

change-person-director-company-with-change-date

officers · CH01

2025-03-05

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-03-05

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2025-01-30

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2025-01-29

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-02-09

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-02-08

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-03-02

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-02-22

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-07-26

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-03-08

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-04-22