7A LIMITED
- · Oldest live charge 18.2y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 18.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 18.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)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
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £89.0k | £100.2k |
| Current assets | £21.1k | £18.8k |
| Cash | £18.5k | £16.3k |
| Debtors | £104 | — |
| Net assets | £59.0k | £57.1k |
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
Corporate timeline (30 events)Click to expand
- 2025-10-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-07-25🔒Charge registered #2Lender: Hsbc UK Bank PLC
- 2018-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-07-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2016-08-17📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-07-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-02📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-14📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2009-01-05➕MORRIS, Elizabeth Jane Perpetua appointedsecretary
- 2009-01-05➖PREECE SMITH, John Peter resignedsecretary
- 2009-01-05➖PREECE SMITH, Edna Rosemary resigneddirector
- 2009-01-05➖PREECE SMITH, John Peter resigneddirector
- 2008-03-11🔒Charge registered #1Lender: Hsbc Bank PLC
- 2004-06-28🏢Company incorporatedAs 7A LIMITED
- 2004-06-28➕MORRIS, Elizabeth Jane Perpetua appointeddirector
- 2004-06-28➕MORRIS, Simon Andrew appointeddirector
- 2004-06-28➕PREECE SMITH, John Peter appointedsecretary
- 2004-06-28➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 2004-06-28➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
- 2004-06-28➕PREECE SMITH, Edna Rosemary appointeddirector
- 2004-06-28➕PREECE SMITH, John Peter appointeddirector
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.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Simon Andrew Morris Individual · British · DOB 08/1973 · age 53 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/07/2016 |
Mrs Elizabeth Jane Perpetua Morris Individual · British · DOB 07/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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6 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 (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 25/07/2019 | — | |
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 11/03/2008 | — |