A & J KHAIRA LTD
🌱Startupactive
SC813202 · ltd · incorporated 2024-06-11
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£2.1k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
3 live charges · oldest 1.7y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.7 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
3 charges (3/3 with lender, 3/3 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
12 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
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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £2,065
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£2k
Current Assets
£5k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 |
|---|---|
| Total assets | £125.9k |
| Current assets | £4.9k |
| Net assets | £2.1k |
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
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-03-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-01-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-16🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2025-08-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-06🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2025-03-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-08-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-12🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2024-06-16📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-11🏢Company incorporatedAs A & J KHAIRA LTD
- 2024-06-11➕KHAIRA, Amarjit Singh appointeddirector
- 2024-06-11➕KHAIRA, Jaswant Singh appointeddirector
- 2024-06-11📄incorporation-companyincorporation · NEWINC
Owner dependency
86/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
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 "KHAIRA" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 1.9 years old — management layer unlikely to be developed.
Succession & seller-readiness
36/100
Weak signalLimited 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jaswant Singh Khaira Individual · British · DOB 04/1989 · age 37 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 11/06/2024 |
Mr Amarjit Singh Khaira Individual · British · DOB 10/1987 · age 39 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 11/06/2024 |
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 →Similar companies
Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AM PLUS LETTINGS LTD→ SC818783 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANDERSON DOE PROPERTY LIMITED→ SC641112 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ANDERSON MACDERMID RESIDENTIAL LTD→ SC851559 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANDERSON RENTAL PROPERTY LIMITED→ SC827889 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANDREW MCQUADE PROPERTY LTD→ SC818485 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANGEL VIEW INVEST LTD→ SC883397 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ANGGRA HOMES LIMITED→ SC772277 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANGUS PROPERTY INVESTMENTS LTD→ SC764272 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ANIMUS PROPERTIES LTD→ SC767800 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANSAB PROPERTIES LTD→ SC626529 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AONA INVESTMENTS SPV LIMITED→ SC828132 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AP INVESTMENTS (GLASGOW) LTD→ SC634939 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2024-06-11
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
1 Alston Gardens
Bearsden
Glasgow
G61 4RZ
Scotland
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-05-07
Last: 2025-04-23
Officers (2 active · 0 resigned)
KHAIRA, Amarjit Singh→
Activedirector · ~39y · appointed 2024-06-11
View their other companies + combined net worth →
KHAIRA, Jaswant Singh→
Activedirector · ~37y · appointed 2024-06-11
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 16/01/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 06/08/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 12/08/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (12 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-23
change-person-director-company-with-change-date
officers · CH01
2025-03-27
change-person-director-company-with-change-date
officers · CH01
2025-03-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-14
change-person-director-company-with-change-date
officers · CH01
2024-06-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-16
incorporation-company
incorporation · NEWINC
2024-06-11