4K GROUP LIMITED

🌱Startupactive
16716925 · ltd · incorporated 2025-09-15
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Why now
Window opening · high confidence
More negotiable than before — 3 signals weakening over the last 30 days.
  • · Bankability: 70 → 65
  • · Refinance opportunity: clean_up_first → too_messy
  • · Live charges: 2 → 3
  • · Filings: 10 → 11
What changed my view
Last 30 days

Picture worsened over the last 30 days — 3 negative signals vs 1 positive.

  • Bankability: 7065
  • Live charges: 23
  • Filings: 1011
  • Refinance opportunity: clean_up_firsttoo_messy
Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
Upgrade to see
Turnover
not disclosed
Net worth
book net assets
Opportunity
69/100
Strong
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What this business does
Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
  • 64306Activities of real estate investment trusts
  • 68100Buying and selling of own real estate
Investor take
Pursue
Active trading company. Reasonable fundamentals — worth a memo before deciding.

Opportunity 69/100 (strong), bankability 65/100. 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

3 live charges · 2 lenders · oldest 0.5y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Newest facility, 0.5 years old — likely still in initial term.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (58/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
11 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • 1 mortgage
Last 180 days
1
filing
  • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
  1. 2026-06-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-06-10
    🔒
    Charge registered #3
    Lender: Jordan International Bank PLC
  3. 2026-01-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2026-01-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2026-01-22
    🔒
    Charge registered #2
    Lender: Quantum Development Finance LTD
  6. 2026-01-22
    🔒
    Charge registered #1
    Lender: Quantum Development Finance LTD
  7. 2026-01-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2026-01-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2026-01-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2026-01-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2026-01-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2025-11-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2025-11-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2025-09-15
    🏢
    Company incorporated
    As 4K GROUP LIMITED
  15. 2025-09-15
    PATEL, Rikin appointed
    director
  16. 2025-09-15
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Young company: Only 0.9 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some 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

1 med ·
3 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-06-10: A registered charge; 2026-01-22: A registered charge; 2026-01-22: A registered charge

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Rikin Patel
Individual · British · DOB 02/1990 · age 36
75100%
75–100%board control75-100% shares · 75-100% voting · board control15/09/2025

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.

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

10 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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2025-09-15
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects

Registered office

124 City Road
London
Greater London
EC1V 2NX
England

Filing status

Accounts
Next due: 2027-06-15
Last made up to:
Confirmation statement
Next due: 2026-09-28
Last:

Officers (1 active · 0 resigned)

PATEL, Rikin
director · ~36y · appointed 2025-09-15
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Jordan International Bank
Jordan International Bank PLC
A registered charge10/06/2026
outstanding
Quantum Development Finance
Quantum Development Finance LTD
A registered charge22/01/2026
outstanding
Quantum Development Finance
Quantum Development Finance LTD
A registered charge22/01/2026
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (11 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-07
change-person-director-company-with-change-date
officers · CH01
2026-01-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-06
change-person-director-company-with-change-date
officers · CH01
2026-01-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-06
change-person-director-company-with-change-date
officers · CH01
2025-11-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-13
incorporation-company
incorporation · NEWINC
2025-09-15