313 INVESTMENTS LTD
- · Oldest live charge 4.8y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
Refinance opportunity
1 live charge · oldest 4.8y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.8 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £117.3k | £116.4k |
| Current assets | £776 | £864 |
| Net assets | £-9.7k | £-10.6k |
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 confirmation-statement
- • 1 address
Corporate timeline (11 events)Click to expand
- 2026-04-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-10-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-09-17🔒Charge registered #1Lender: Pepper Money Limited
- 2021-01-14🏢Company incorporatedAs 313 INVESTMENTS LTD
- 2021-01-14➕NABI, Mohammad Ali appointeddirector
- 2021-01-14➕RAFFIQ, Mohamed Jamil appointeddirector
- 2021-01-14📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mohamed Jamil Raffiq Individual · British · DOB 04/1986 · age 40 | — | — | sig. influencesignificant influence | 14/01/2021 |
Mr Mohammad Ali Nabi Individual · British · DOB 01/1995 · age 31 | — | — | sig. influencesignificant influence | 14/01/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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6 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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Pepper Money Pepper Money Limited | A registered charge | 2 properties | 17/09/2021 | — |