KAUL GROUP LTD

🏛️Establishedactive
SC670909 · ltd · incorporated 2020-08-17
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 steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
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 Aug 2025
Net worth
£77.5k
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 74/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. 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: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 3.8y

25/100
too messy

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

  • · Charge age ~3.8 years — mid-life; refi window approaching.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (86/100)

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

Company profile
address, 2 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
34 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
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
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 · FRS 105 (micro)
Positive net assets
Net assets £77,458

Key financials

3 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£77k
↑ 98% YoY
Current Assets
£8k
↓ 24% YoY
Current Liabilities
—
£0£15k£31k£46k£62k£77kAug 2023Aug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-08-312024-08-312023-08-31
Total assets£403.2k£237.4k£212.9k
Current assets£7.9k£10.4k£25.7k
Net assets£77.5k£39.1k£14.7k

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

🔒Filing-note intelligence

1 signal 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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-12-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-12-19
    🔒
    Charge registered #4
    Lender: Bank of Scotland PLC, Birmingham Midshires Division
  4. 2025-05-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-11-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2024-11-01
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  7. 2024-10-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2024-10-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2024-10-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2024-10-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2024-10-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2024-10-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2024-09-04
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2024-09-04
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2024-09-04
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2024-07-05
    📄
    elect-to-keep-the-directors-residential-address-register-information-on-the-public-register
    officers · EH02
  17. 2024-05-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2024-05-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2023-01-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2023-01-10
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  21. 2022-09-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2022-08-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  23. 2022-08-31
    🔒
    Charge registered #1
    Lender: Paragon Bank PLC
  24. 2021-10-20
    ➕
    KAUL, Tushar Tej appointed
    director
  25. 2020-08-17
    🏢
    Company incorporated
    As KAUL GROUP LTD
  26. 2020-08-17
    ➕
    BAJPAI KAUL, Akshita appointed
    director

Owner dependency

78/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "KAUL" — strong identity link between founder and business.
  • +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.

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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Tushar Tej Kaul
Individual · British · DOB 08/1988 · age 38
25–50%
25–50%board control25-50% shares · 25-50% voting · board control13/03/2022
Mrs Akshita Bajpai Kaul
Individual · British · DOB 09/1989 · age 37
25–50%
25–50%board control25-50% shares · 25-50% voting · board control · firm interest17/08/2020

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

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
Incorporated2020-08-17
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

59 Kersehill Crescent Kersehill Crescent
Falkirk
FK2 9GH
Scotland

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-11-05
Last: 2025-10-22

Officers (2 active · 0 resigned)

BAJPAI KAUL, Akshita→
director · ~37y · appointed 2020-08-17
View their other companies + combined net worth →
Active
KAUL, Tushar Tej→
director · ~38y · appointed 2021-10-20
View their other companies + combined net worth →
Active

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

Mortgages & charges

4
Total charges
4
Outstanding
3
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC, Birmingham Midshires Division
A registered charge1 property19/12/2025—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property01/11/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property10/01/2023—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property31/08/2022—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (34 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-22
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-05
change-person-director-company-with-change-date
officers · CH01
2024-10-24
change-person-director-company-with-change-date
officers · CH01
2024-10-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-24
change-person-director-company-with-change-date
officers · CH01
2024-10-05
change-person-director-company-with-change-date
officers · CH01
2024-10-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-09-04