KEYS PREMIUM FINANCE LIMITED

💤Zombieactive
NI030349 · ltd · incorporated 1996-01-12
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.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

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
—
year to May 2025
Net worth
£1.01M
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 77/100. Strong seller-intent signal (68/100, director aged 54). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 30.4y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 30.4 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (80/100)

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
87 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £1,012,537
Net assets shrinking
Down £31,572 YoY
Cash YoY
-26%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£87k
↓ 26% YoY
Net Worth
£1.0m
↓ 3.0% YoY
Current Assets
£796k
↓ 4.1% YoY
Current Liabilities
—
£0£209k£418k£626k£835k£1.0mMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Total assets£1.01M£1.04M
Current assets£795.8k£829.8k
Cash£87.5k£118.1k
Debtors£70.9k£74.2k
Net assets£1.01M£1.04M

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
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2025-12-10
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-05-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-05-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-03-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2025-03-13
    🔓
    Charge satisfied #4
  6. 2024-11-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2024-02-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2023-02-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2022-05-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2021-10-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2021-10-27
    🔓
    Charge satisfied #3
  12. 2021-05-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2021-04-08
    ➖
    GRAHAM, Thomas Alan resigned
    secretary
  14. 2021-04-08
    ➖
    GRAHAM, Thomas Alan resigned
    director
  15. 2021-04-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2021-04-08
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  17. 2020-02-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2019-08-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2019-02-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  20. 2018-02-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  21. 2014-01-08
    🔒
    Charge registered #4
    Lender: Abn Amro Commercial Finance PLC
  22. 2013-12-01
    ➖
    JORDAN, Barbara Anne Christine resigned
    director
  23. 2003-06-18
    🔓
    Charge satisfied #2
  24. 2003-06-18
    🔓
    Charge satisfied #1
  25. 1999-05-11
    ➕
    JORDAN, Barbara Anne Christine appointed
    director
  26. 1998-03-25
    🔒
    Charge registered #3
    Lender: Ulster Bank LTD
  27. 1996-03-05
    🔒
    Charge registered #2
    Lender: Northern Bank LTD
  28. 1996-03-05
    🔒
    Charge registered #1
    Lender: Northern Bank LTD
  29. 1996-01-12
    🏢
    Company incorporated
    As KEYS PREMIUM FINANCE LIMITED
  30. 1996-01-12
    ➕
    GRAHAM, Owen Macauley appointed
    director
  31. 1996-01-12
    ➕
    GRAHAM, Thomas Alan appointed
    secretary
  32. 1996-01-12
    ➕
    GRAHAM, Thomas Alan appointed
    director

Owner dependency

85/100
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.
  • +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

75/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 31 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

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
NameSharesVoting rightsNature of controlNotified
Mr Owen Macauley Graham
Individual · British · DOB 04/1972 · age 54
——sig. influencesignificant influence12/01/2017

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
Incorporated1996-01-12
Jurisdictionnorthern-ireland
Primary SIC64910 — Financial leasing

Registered office

Suite F, First Floor, Block 1 Forestview
Purdy's Lane
Belfast
BT8 7AR
Northern Ireland

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-01-26
Last: 2026-01-12

Officers (1 active · 3 resigned)

GRAHAM, Owen Macauley→
director · ~54y · appointed 1996-01-12
View their other companies + combined net worth →
Active
GRAHAM, Thomas Alan→
secretary · appointed 1996-01-12 · resigned 2021-04-08
Resigned
GRAHAM, Thomas Alan→
director · ~87y · appointed 1996-01-12 · resigned 2021-04-08
Resigned
JORDAN, Barbara Anne Christine→
director · ~60y · appointed 1999-05-11 · resigned 2013-12-01
Resigned

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

Mortgages & charges

4
Total charges
0
Outstanding
0
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
satisfied
Abn Amro Commercial Finance
Abn Amro Commercial Finance PLC
A registered charge1 property08/01/201413/03/2025
satisfied
NatWest Group
Ulster Bank LTD
Mortgage or charge1 property25/03/199827/10/2021
satisfied
Northern Bank
Northern Bank LTD
Mortgage or charge1 property05/03/199618/06/2003
satisfied
Northern Bank
Northern Bank LTD
Mortgage or charge1 property05/03/199618/06/2003

Recent filings (87 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-20
change-person-director-company-with-change-date
officers · CH01
2025-05-20
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-11-27
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-02-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-05-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-27
mortgage-satisfy-charge-full
mortgage · MR04
2021-10-27
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-05-18