CITY INNOVATION HOLDINGS LTD
- · Bankability: 70 → 55
- · Refinance opportunity: clean_up_first → too_messy
- · Live charges: 2 → 4
- · Filings: 4 → 6
Picture worsened over the last 30 days — 3 negative signals vs 1 positive.
- ↓Bankability: 70 → 55
- ↓Live charges: 2 → 4
- ↑Filings: 4 → 6
- ↓Refinance opportunity: clean_up_first → too_messy
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 70/100 (strong), bankability 55/100. 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
4 live charges · 2 lenders · oldest 0.4y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.4 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (56/100)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.
Recent activity
- • 2 mortgage
- • 2 mortgage
- • 4 mortgage
Corporate timeline (12 events)Click to expand
- 2026-06-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-06-12🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2026-06-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-06-05🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2026-02-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-16🔒Charge registered #2Lender: Shawbrook Bank Limited
- 2026-02-16🔒Charge registered #1Lender: Shawbrook Bank Limited
- 2025-07-28🏢Company incorporatedAs CITY INNOVATION HOLDINGS LTD
- 2025-07-28➕DEMPSTER, Declyn appointeddirector
- 2025-07-28➕JACKSON, Dylan James appointeddirector
- 2025-07-28📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Young company: Only 0.9 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
1 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-06-12: A registered charge; 2026-06-05: A registered charge; 2026-02-16: A registered charge
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Dylan James Jackson Individual · Scottish · DOB 02/1998 · age 28 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/07/2025 |
Mr Declyn Dempster Individual · Scottish · DOB 12/1997 · age 29 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/07/2025 |
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.
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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)
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Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 12/06/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 05/06/2026 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 2 properties | 16/02/2026 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 16/02/2026 | — |