931 GROUP LTD
Opportunity 78/100 (strong), bankability 67/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 4.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.3 years — mid-life; refi window approaching.
- · 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 2 officers
- • 1 persons-with-significant-control
- • 1 address
Corporate timeline (22 events)Click to expand
- 2026-03-18📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-18📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-03-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-20🔒Charge registered #3Lender: Mtf (Le) Limited
- 2024-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-11📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-03-01➖1ST SECRETARIES LIMITED resignedcorporate-secretary
- 2023-12-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-08🔒Charge registered #2Lender: Charter Court Financial Services Limited
- 2022-04-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-05🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2021-03-30📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2021-03-25➕1ST SECRETARIES LIMITED appointedcorporate-secretary
- 2021-03-10🏢Company incorporatedAs 931 GROUP LTD
- 2021-03-10➕DIGPAL, Neta Gurwent appointedsecretary
- 2021-03-10➕DIGPAL, Neta Gurwent appointeddirector
- 2021-03-10📄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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Neta Gurwent Digpal Individual · British · DOB 01/1967 · age 59 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 10/03/2021 |
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.
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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 →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 · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Mtf (Le) Mtf (Le) Limited | A registered charge | 1 property | 20/11/2025 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 08/06/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 05/04/2022 | — |