395 PROPERTIES LIMITED
- 68209Other letting and operating of own or leased real estate
Opportunity 71/100 (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: distressed disposal / insolvency (65/100).
Refinance opportunity
1 live charge · oldest 3.8y
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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £113.4k | £122.0k |
| Current assets | £15.5k | £13.4k |
| Cash | £2.5k | £2.6k |
| Debtors | £13.1k | £10.8k |
| Net assets | £-49.0k | £-40.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 signals 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
- • 3 address
- • 3 address
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 3 address
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Corporate timeline (18 events)Click to expand
- 2026-05-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-05-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-05-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-04-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-17🔓Charge satisfied #1
- 2026-02-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-06➖PIGDEN, Samantha resigneddirector
- 2025-11-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-02🔒Charge registered #1Lender: Keystone Property Finance Limited
- 2022-05-04🏢Company incorporatedAs 395 PROPERTIES LIMITED
- 2022-05-04➕SWAIN, Jonathan William Stanley appointeddirector
- 2022-05-04➕PIGDEN, Samantha appointeddirector
- 2022-05-04📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jonathan Swain Individual · British · DOB 02/1987 · age 39 | 75–100% | — | 75-100% shares | 04/05/2022 |
1 historic (ceased) PSC
- Samantha Pigdenceased 06/11/2025· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (1 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 1 property | 02/09/2022 | 17/04/2026 |