A & I HOUSING LTD
- · Oldest live charge 17.6y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · oldest 17.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 17.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · IFRS| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Average employees | 100 | 100 |
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 (23 events)Click to expand
- 2025-09-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-09-29📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2025-08-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-24📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2018-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-08📄accounts-amended-with-accounts-type-total-exemption-smallaccounts · AAMD
- 2016-03-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2010-07-09🔒Charge registered #2Lender: National Westminster Bank PLC
- 2008-12-22🔒Charge registered #1Lender: National Westminster Bank PLC
- 2008-09-15🏢Company incorporatedAs A & I HOUSING LTD
- 2008-09-15➕JENKINSON, Ian appointedsecretary
- 2008-09-15➕JENKINSON, Ian appointeddirector
- 2008-09-15➕MILLARD, Alan appointeddirector
- 2008-09-15➕JACOBS, Yomtov Eliezer appointeddirector
- 2008-09-15➖JACOBS, Yomtov Eliezer resigneddirector
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.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ian Jenkinson Individual · British · DOB 08/1977 · age 49 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 29/09/2025 |
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.
See pricing →Similar companies
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| AESTHETIC LOFT GLOBAL INVESTMENT LTD→ 16842041 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
7 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 · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 09/07/2010 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 22/12/2008 | — |