NORTHBANK PROPERTY PARTNERSHIP LTD
Opportunity 72/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -64% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 2.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 2.7 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £3.98M | £4.70M |
| Current assets | £324.7k | £1.05M |
| Cash | £58.8k | £162.8k |
| Debtors | £265.9k | £891.2k |
| Net assets | £3.98M | £3.70M |
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 (18 events)Click to expand
- 2026-01-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-27📄resolutionresolution · RESOLUTIONS
- 2023-10-26📄capital-name-of-class-of-sharescapital · SH08
- 2023-10-16📄capital-allotment-sharescapital · SH01
- 2023-10-16📄capital-allotment-sharescapital · SH01
- 2023-09-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-19🔒Charge registered #2Lender: Lloyds Bank PLC
- 2023-09-19🔒Charge registered #1Lender: Lloyds Bank PLC
- 2023-08-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-18📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-05-09📄gazette-notice-compulsorygazette · GAZ1
- 2021-06-10🏢Company incorporatedAs NORTHBANK PROPERTY PARTNERSHIP LTD
- 2021-06-10➕CLAY, David Andrew appointeddirector
- 2021-06-10➕CLAY, Jill appointeddirector
- 2021-06-10📄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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Andrew Clay Individual · British · DOB 01/1969 · age 57 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 10/06/2021 |
Mrs Jill Clay Individual · British · DOB 03/1980 · age 46 | — | — | sig. influencesignificant influence | 10/06/2021 |
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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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 →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 | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 19/09/2023 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 19/09/2023 | — |