360 ACCOUNTANTS LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 75/100 (strong), bankability 67/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
8 live charges · 5 lenders · oldest 16.5y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 16.5 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £352.6k | £298.6k |
| Current assets | £318.8k | £257.1k |
| Cash | £23.7k | £102 |
| Debtors | £119.6k | £97.4k |
| Net assets | £910 | £27.9k |
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
- • 1 accounts
- • 1 accounts
Corporate timeline (51 events)Click to expand
- 2026-03-13📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-10-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-23🔓Charge satisfied #4
- 2025-10-23🔓Charge satisfied #3
- 2025-10-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-26🔒Charge registered #8Lender: Westwood Capital Finance Limited
- 2025-09-26🔒Charge registered #7Lender: Westwood Capital Finance Limited
- 2025-09-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-09-25📄replacement-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP01CS01
- 2025-09-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-25📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-25📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-16📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-01📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-01📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-05-07📄capital-allotment-sharescapital · SH01
- 2024-05-07📄resolutionresolution · RESOLUTIONS
- 2024-05-07📄memorandum-articlesincorporation · MA
- 2024-05-07📄capital-name-of-class-of-sharescapital · SH08
- 2024-04-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-01-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-03🔓Charge satisfied #5
- 2023-11-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-08🔓Charge satisfied #6
- 2023-05-19➖HUNTER, Adrian resigneddirector
- 2022-02-01➕HOLMES, Sophie appointeddirector
- 2022-02-01➕STEELE, Leanne appointeddirector
- 2022-02-01➕HUNTER, Adrian appointeddirector
- 2019-12-31➖JEWITT, Andrew Keith resigneddirector
- 2019-12-13➖WALSH, Howard Nicholas resigneddirector
- 2018-03-16🔒Charge registered #6Lender: Mortgage Guarantee Limited
- 2018-03-16🔒Charge registered #5Lender: Chamber Acorn Fund (Humber) Limited
- 2018-02-05➕WALSH, Howard Nicholas appointeddirector
- 2017-05-15🔓Charge satisfied #2
- 2017-05-15🔓Charge satisfied #1
- 2017-04-25🔒Charge registered #4Lender: Svenska Handelsbanken Ab (Publ)
- 2017-04-25🔒Charge registered #3Lender: Svenska Handelsbanken Ab (Publ)
- 2015-08-17➕JEWITT, Andrew Keith appointeddirector
- 2014-10-28🔒Charge registered #2Lender: National Westminster Bank PLC
- 2009-11-12➕STEELE, Andrew Mark appointeddirector
- 2009-11-12➖SEATON, Ann resigneddirector
- 2009-10-28🔒Charge registered #1Lender: National Westminster Bank PLC
- 2009-09-24🏢Company incorporatedAs 360 ACCOUNTANTS LIMITED
- 2009-09-24➕KAHAN, Barbara appointeddirector
- 2009-09-24➖KAHAN, Barbara resigneddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Mark Steele Individual · British · DOB 11/1971 · age 55 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Miss Sophie Holmesceased 01/09/2025· 25-50% shares · 25-50% voting
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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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 · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Westwood Capital Finance Westwood Capital Finance Limited | A registered charge | 1 property | 26/09/2025 | — | |
| outstanding | Westwood Capital Finance Westwood Capital Finance Limited | A registered charge | 1 property | 26/09/2025 | — | |
| satisfied | Mortgage Guarantee Mortgage Guarantee Limited | A registered charge | 1 property | 16/03/2018 | 08/11/2023 | |
| satisfied | Chamber Acorn Fund (Humber) Chamber Acorn Fund (Humber) Limited | A registered charge | 1 property | 16/03/2018 | 03/01/2024 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 25/04/2017 | 23/10/2025 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | — | 25/04/2017 | 23/10/2025 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 28/10/2014 | 15/05/2017 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 28/10/2009 | 15/05/2017 |