4J HOLDINGS LIMITED
🏛️Establishedactive
11674772 · ltd · incorporated 2018-11-13
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 7.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£165.2k
book net assets
Opportunity
74/100
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
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 75/100. 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
3 live charges · 2 lenders · oldest 7.4y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 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
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
1 connected companies via shared directors
48
Filing history
20 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £165,167
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£165k
↑ 9.4% YoY
Current Assets
£2k
↓ 72% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £1.69M | £1.70M |
| Current assets | £1.9k | £6.7k |
| Cash | — | £6.7k |
| Net assets | £165.2k | £150.9k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-08-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-06-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-03-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-03-24🔒Charge registered #3Lender: Paragon Bank PLC
- 2020-11-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-08-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-08-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-08-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-12-20🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2019-01-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-01-16🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2018-11-13🏢Company incorporatedAs 4J HOLDINGS LIMITED
- 2018-11-13➕JAFFER, Faruq appointeddirector
- 2018-11-13➕JAFFER, Jagjeet Kaur Heer appointeddirector
- 2018-11-13📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
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.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited 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
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 Faruq Jaffer Individual · British · DOB 05/1977 · age 49 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 13/11/2018 |
Mrs Jagjeet Kaur Heer Jaffer Individual · British · DOB 02/1976 · age 50 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 13/11/2018 |
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 · TW postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4 ONSLOW ROAD MANAGEMENT LIMITED→ 03896909 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| 4 UK PROPERTIES LTD→ 16524491 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 40 ACRES AND A MULE LIMITED→ 14921096 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 42 CHURCH STREET LIMITED→ 09493421 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| 422 RICHMOND ROAD LIMITED→ 15537543 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 46 ARGYLE RTM COMPANY LTD→ 14256429 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 47 LARKFIELD ROAD FREEHOLD MANAGEMENT LTD→ 15431368 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 4MSQUARED PROPERTIES LIMITED→ 10894194 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 4SMS PROPERTIES LIMITED→ 10810922 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 4TH DIMENTION LIMITED→ 12554813 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| 5 & 6 MOOR MEAD ROAD LIMITED→ 14737642 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 5 & 7 GODSTONE ROAD LTD→ 10185123 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2018-11-13
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
185 Percy Road
Twickenham
Middlesex
TW2 6JS
England
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-07
Last: 2025-10-24
Officers (2 active · 0 resigned)
JAFFER, Faruq→
Activedirector · ~49y · appointed 2018-11-13
View their other companies + combined net worth →
JAFFER, Jagjeet Kaur Heer→
Activedirector · ~50y · appointed 2018-11-13
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
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/03/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 20/12/2019 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 16/01/2019 | — |
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
2025-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-08-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-11-02
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-08-11