89BK PROPERTY HOLDINGS LTD
- · Oldest live charge 4.8y old — refinance window within 12 months
Opportunity 67/100 (strong), bankability 60/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
7 live charges · 2 lenders · oldest 4.8y
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~4.8 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)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 | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £247.7k | £244.0k |
| Cash | £17.8k | £13.7k |
| Net assets | £32.7k | £22.4k |
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
- • 6 mortgage
- • 1 accounts
Corporate timeline (31 events)Click to expand
- 2026-04-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-05🔓Charge satisfied #3
- 2026-02-05🔓Charge satisfied #2
- 2026-02-05🔓Charge satisfied #1
- 2026-01-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-15🔒Charge registered #7Lender: Barclays Security Trustee Limited
- 2026-01-15🔒Charge registered #6Lender: Barclays Security Trustee Limited
- 2026-01-15🔒Charge registered #5Lender: Barclays Security Trustee Limited
- 2025-11-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-18📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-27🔒Charge registered #4Lender: Barclays Security Trustee Limited
- 2024-04-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-04➕KERAI, Jayesh appointeddirector
- 2024-03-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-04🔒Charge registered #3Lender: Lloyds Bank PLC
- 2022-03-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-28🔒Charge registered #2Lender: Lloyds Bank PLC
- 2021-08-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-19🔒Charge registered #1Lender: Lloyds Bank PLC
- 2021-07-19🏢Company incorporatedAs 89BK PROPERTY HOLDINGS LTD
- 2021-07-19➕KERAI, Bhavin Ravji appointeddirector
- 2021-07-19📄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.
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
2 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-15: A registered charge; 2026-01-15: A registered charge; 2026-01-15: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Bhavin Ravji Kerai Individual · British · DOB 09/1989 · age 37 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/07/2021 |
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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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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | 1 property | 15/01/2026 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | 1 property | 15/01/2026 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | 2 properties | 15/01/2026 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 27/10/2024 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 04/03/2022 | 05/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 28/02/2022 | 05/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 19/08/2021 | 05/02/2026 |