A C J PROPERTIES LTD
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Opportunity 60/100 (worth a look), bankability 47/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
6 live charges · 3 lenders · oldest 6.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
- • 1 accounts
Corporate timeline (21 events)Click to expand
- 2025-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-01🔒Charge registered #6Lender: Paragon Bank PLC
- 2024-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-02🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2024-05-02🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2023-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-09🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2021-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-19🔒Charge registered #2Lender: Paragon Bank PLC
- 2020-08-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-04🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2019-05-15🏢Company incorporatedAs A C J PROPERTIES LTD
- 2019-05-15➕KUMAKI, Anwar appointeddirector
- 2019-05-15📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 high · 1 lowAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-05-28
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anwar Kumaki Individual · British · DOB 01/1975 · age 51 | 75–100% | — | 75-100% shares | 15/05/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| A & C PROPERTIES NORTH EAST LIMITED→ 10403933 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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| ABLY PROPERTIES LTD→ 14011612 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ABODE LETTING AGENCY LIMITED→ 07801711 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ABODE RESIDENTIAL SURVEYORS LTD→ 04754410 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| ABRAHAM KIFLU LTD→ 16895798 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABRING HOMES LIMITED→ 16718839 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABS RESIDENTIAL LTD→ 15244132 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
9 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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 01/07/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 02/05/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 02/05/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 3 properties | 09/11/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 19/11/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 04/10/2019 | — |