B&K LETTING SERVICE LTD

🌱Startupactive
SC809168 · ltd · incorporated 2024-05-01
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
Upgrade to see
Turnover
not disclosed
Net worth
book net assets
Opportunity
62/100
Worth a look
🔔
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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
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 62/100 (worth a look), bankability 45/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (38/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 1.5y

35/100
too messy

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

  • · Newest facility, 1.5 years old — likely still in initial term.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (57/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
8 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
62/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
45
Concerning — overdue filings or status flags present.
Acquirability
55
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

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 (11 events)Click to expand
  1. 2025-10-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2025-09-23
    🔒
    Charge registered #2
    Lender: Kensington Mortgage Company Limited
  3. 2025-07-21
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2025-07-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2024-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2024-11-01
    🔒
    Charge registered #1
    Lender: Mortgage Works (UK) PLC
  7. 2024-09-10
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2024-05-01
    🏢
    Company incorporated
    As B&K LETTING SERVICE LTD
  9. 2024-05-01
    BOROWIECKA, Karolina appointed
    director
  10. 2024-05-01
    BUCZYNSKI, Bogdan Jan appointed
    director
  11. 2024-05-01
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

63/100
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.
  • +Young company: Only 2.0 years old — management layer unlikely to be developed.

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

1 high ·
Accounts overdue
high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2026-02-01

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Bogdan Jan Buczynski
Individual · Polish · DOB 08/1987 · age 39
5075%
50–75%board control50-75% shares · 50-75% voting · board control01/05/2024
Miss Karolina Borowiecka
Individual · Polish · DOB 11/1983 · age 43
2550%
25–50%25-50% shares · 25-50% voting06/09/2024
1 historic (ceased) PSC
  • Miss Karolina Borowieckaceased 01/08/2024· 25-50% shares · 25-50% voting · board control

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.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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10 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.

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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.

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Company details

Statusactive
Typeltd
Incorporated2024-05-01
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

8 Polston Road
Maryculter
Aberdeen
AB12 5GY
Scotland

Filing status

Accounts
Next due: 2026-02-01OVERDUE
Last made up to:
Confirmation statement
Next due: 2026-09-20
Last: 2025-09-06

Officers (2 active · 0 resigned)

BOROWIECKA, Karolina
director · ~43y · appointed 2024-05-01
View their other companies + combined net worth →
Active
BUCZYNSKI, Bogdan Jan
director · ~39y · appointed 2024-05-01
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property23/09/2025
outstanding
Mortgage Works (UK)
Mortgage Works (UK) PLC
A registered charge1 property01/11/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (8 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-07-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-09-10
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-06
incorporation-company
incorporation · NEWINC
2024-05-01