BA FINANCIAL SERVICES LTD

💤Zombieactive
12744506 · ltd · incorporated 2020-07-15
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£11.3k
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65120Non-life insurance
  • 65201Life reinsurance
  • 65202Non-life reinsurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 71/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 4 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 1 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
27 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £11,256
Net assets shrinking
Down £1,630 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£11k
↓ 13% YoY
Current Assets
£6k
↓ 12% YoY
Current Liabilities
—
£0£3k£5k£8k£10k£13kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£11.3k£12.9k
Current assets£5.8k£6.7k
Net assets£11.3k£12.9k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
1
filing
  • • 1 accounts
Last 90 days
4
filings
  • • 2 accounts
  • • 1 gazette
  • • 1 address
Last 180 days
6
filings
  • • 2 accounts
  • • 2 gazette
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-05-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2026-03-31
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  3. 2026-03-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2026-03-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2026-01-21
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  6. 2025-12-02
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  7. 2025-07-12
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  8. 2025-07-01
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  9. 2024-09-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2024-07-13
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  11. 2024-07-02
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  12. 2024-01-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2023-08-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2023-07-25
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  15. 2023-07-04
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  16. 2023-03-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2023-02-20
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2022-11-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2022-07-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2022-01-26
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  21. 2022-01-13
    ➕
    MUNIR, Taiba appointed
    secretary
  22. 2021-05-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  23. 2020-07-15
    🏢
    Company incorporated
    As BA FINANCIAL SERVICES LTD
  24. 2020-07-15
    ➕
    MALIK, Khubaib Masaud appointed
    director

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Khubaib Masaud Malik
Individual · British · DOB 10/1984 · age 42
75–100%
75–100%board control75-100% shares · 75-100% voting · board control15/07/2020

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 →

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APPLIED CRISIS UNDERWRITERS LIMITED→
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AQL (FINANCIAL) LIMITED→
08614368 · est 2013 · no financials extracted
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ASSET FINANCE UK CASHFLOW LIMITED→
07674164 · est 2011 · no financials extracted
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ATTIS INSURANCE BROKERS LTD→
12955173 · est 2020 · no financials extracted
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AUGUSTA FAMILY INVESTMENTS→
17089615 · est 2026 · no financials extracted
———————
AVID INSURANCE SERVICES LIMITED→
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AYATUNI PROPERTY LTD→
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BAREHAM INDEPENDENT FINANCIAL ADVISERS LIMITED→
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BARTLETT & COMPANY LIMITED→
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————57y——
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
Incorporated2020-07-15
Jurisdictionengland-wales
Primary SIC65110 — Life insurance

Registered office

Manor Court Manor Mill Lane
Unit 2
Leeds
West Yorkshire
LS11 8LQ
United Kingdom

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-06-11
Last: 2025-05-28

Officers (2 active · 0 resigned)

MUNIR, Taiba→
secretary · appointed 2022-01-13
View their other companies + combined net worth →
Active
MALIK, Khubaib Masaud→
director · ~42y · appointed 2020-07-15
View their other companies + combined net worth →
Active

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

Recent filings (27 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-14
gazette-filings-brought-up-to-date
gazette · DISS40
2026-03-31
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-30
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2026-01-21
gazette-notice-compulsory
gazette · GAZ1
2025-12-02
gazette-filings-brought-up-to-date
gazette · DISS40
2025-07-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-09
gazette-notice-compulsory
gazette · GAZ1
2025-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-18
gazette-filings-brought-up-to-date
gazette · DISS40
2024-07-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-11
gazette-notice-compulsory
gazette · GAZ1
2024-07-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-24
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-23