9Y CAPITAL LIMITED

🌿Early-stageactive
14864131 · ltd · incorporated 2023-05-12
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
Upgrade to see
Turnover
year to Dec 2024
Net worth
book net assets
Opportunity
71/100
Strong
🔔
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

2 live charges · oldest 2.3y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 2.3 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities
£0£0£0£0£0£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees500200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 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

Last 30 days
4
filings
  • 1 persons-with-significant-control
  • 1 officers
  • 1 confirmation-statement
Last 90 days
4
filings
  • 1 persons-with-significant-control
  • 1 officers
  • 1 confirmation-statement
Last 180 days
4
filings
  • 1 persons-with-significant-control
  • 1 officers
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
  1. 2026-05-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  2. 2026-05-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-05-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-05-15
    📄
    accounts-with-accounts-type-small
    accounts · AA
  5. 2025-01-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2025-01-24
    🔒
    Charge registered #2
    Lender: Shawbrook Bank Limited
  7. 2024-10-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-02-23
    📄
    legacy
    miscellaneous · RPCH01
  9. 2024-01-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2024-01-26
    🔒
    Charge registered #1
    Lender: Shawbrook Bank Limited
  11. 2024-01-17
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  12. 2023-11-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2023-11-08
    JOHNSON, Stephen David appointed
    director
  14. 2023-05-12
    🏢
    Company incorporated
    As 9Y CAPITAL LIMITED
  15. 2023-05-12
    BENNETT, Karen Jane appointed
    director
  16. 2023-05-12
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

9y Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
9y Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
9Y CAPITAL LIMITED
This company · 14864131

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
9y Holdings Limited
Corporate entity
75100%
75–100%board control75-100% shares · 75-100% voting · board control12/05/2023

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2023-05-12
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

5 Create Business Hub, Rayleigh Road
Hutton
Brentwood
Essex
CM13 1AB
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-25
Last: 2026-05-11

Officers (2 active · 0 resigned)

BENNETT, Karen Jane
director · ~47y · appointed 2023-05-12
View their other companies + combined net worth →
Active
JOHNSON, Stephen David
director · ~50y · appointed 2023-11-08
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge24/01/2025
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge26/01/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (14 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-05-20
change-person-director-company-with-change-date
officers · CH01
2026-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-20
accounts-with-accounts-type-small
accounts · AA
2025-05-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-17
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-21
legacy
miscellaneous · RPCH01
2024-02-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-29
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-01-17
appoint-person-director-company-with-name-date
officers · AP01
2023-11-22
incorporation-company
incorporation · NEWINC
2023-05-12