NAEEM REAL ESTATE CO. LIMITED
Opportunity 66/100 (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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).
Refinance opportunity
6 live charges · 4 lenders · oldest 1.7y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.7 years old — likely still in initial term.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (74/100)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 · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 |
|---|---|
| Total assets | £143.8k |
| Cash | £14.1k |
| Net assets | £-6.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 3 mortgage
- • 1 accounts
- • 5 mortgage
- • 1 accounts
Corporate timeline (23 events)Click to expand
- 2026-03-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-20🔒Charge registered #6Lender: Aldermore Bank PLC
- 2026-03-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-17🔓Charge satisfied #5
- 2026-03-17🔓Charge satisfied #4
- 2026-02-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-06🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2026-01-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-18🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2025-10-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-31🔓Charge satisfied #2
- 2025-05-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-21🔒Charge registered #3Lender: Lendinvest Btl Limited
- 2024-09-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-02🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2024-08-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-20🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2024-05-27🏢Company incorporatedAs NAEEM REAL ESTATE CO. LIMITED
- 2024-05-27➕NAEEM, Mariam appointeddirector
- 2024-05-27➕NAEEM, Yousaf appointeddirector
- 2024-05-27📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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 "NAEEM" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 2.0 years old — management layer unlikely to be developed.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-20: A registered charge; 2026-01-06: A registered charge; 2025-12-18: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Yousaf Naeem Individual · British · DOB 11/1989 · age 37 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 27/05/2024 |
Miss Mariam Naeem Individual · British · DOB 09/1996 · age 30 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 27/05/2024 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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9 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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 20/03/2026 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 06/01/2026 | 17/03/2026 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | — | 18/12/2025 | 17/03/2026 | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 21/05/2025 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 2 properties | 02/09/2024 | 31/10/2025 | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 2 properties | 20/08/2024 | — |