BISMILLAH PERSONAL HOLDINGS LIMITED
💤Zombieactive
13572225 · ltd · incorporated 2021-08-18
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 Mar 2025
Net worth
£24.6k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 80/100. 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: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · oldest 3.8y
35/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.8 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · 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.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
20 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
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 →Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £24,619
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£25k
↑ 95% YoY
Current Assets
£11k
↓ 95% YoY
Current Liabilities
—
Hover 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 |
|---|---|---|
| Total assets | £12.8k | £221.6k |
| Current assets | £10.9k | £221.7k |
| Net assets | £24.6k | £12.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-10-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-09🔓Charge satisfied #2
- 2025-10-09🔓Charge satisfied #1
- 2024-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-10-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-17🔒Charge registered #2Lender: Lloyds Bank PLC
- 2022-10-17🔒Charge registered #1Lender: Lloyds Bank PLC
- 2022-09-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-08-31📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-07-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-06-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-08-18🏢Company incorporatedAs BISMILLAH PERSONAL HOLDINGS LIMITED
- 2021-08-18➕ASHRAF, Adnan appointeddirector
- 2021-08-18📄incorporation-companyincorporation · NEWINC
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sara Adnan Individual · British · DOB 06/1981 · age 45 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/04/2022 |
Mr Adnan Ashraf Individual · British · DOB 01/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 18/08/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Holding company · BB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASTUTE PROPERTY MANAGEMENT LIMITED→ 08183195 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| B & C HOLDINGS (NW) LIMITED→ 12120574 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BACKHOUSES LIMITED→ 02673083 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| BARRS HOLDINGS LTD→ 16762645 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BCS 2026 LIMITED→ 17092061 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BEAUCHAMP INVESTMENT GROUP LTD→ 11653247 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BEES SEEDS GROUP LIMITED→ 11944731 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BENNETTS CLOSE PROPERTY MANAGEMENT COMPANY LIMITED→ 10175500 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BGB MANAGEMENT COMPANY LTD→ 14299569 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BIRCHWOOD EDUCATION HOLDINGS LIMITED→ 16176341 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BKS SSB LTD→ 14437477 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BL GROUP NW LTD→ 10824947 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2021-08-18
Jurisdictionengland-wales
Primary SIC64209 — Activities of other holding companies n.e.c.
Registered office
11 Billinge Close
Blackburn
BB2 6SB
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-07-08
Last: 2026-06-24
Officers (1 active · 0 resigned)
ASHRAF, Adnan→
Activedirector · ~51y · appointed 2021-08-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 17/10/2022 | 09/10/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 17/10/2022 | 09/10/2025 |
Recent filings (20 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-24
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-23
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-09
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-08
accounts-with-accounts-type-dormant
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-20
accounts-with-accounts-type-dormant
accounts · AA
2022-09-09
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-08-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-06-28