A A PROPERTY INVESTMENT (LUTON) LIMITED
🌳Matureactive
07772032 · ltd · incorporated 2011-09-13
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 74/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. 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: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
11 live charges · 5 lenders · oldest 2.1y
0/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.1 years old — likely still in initial term.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
50 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-09-30 | 2023-09-30 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 mortgage
Last 180 days
5
filings
- • 4 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2026-04-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-21🔓Charge satisfied #10
- 2026-03-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-06🔒Charge registered #11Lender: Romaco Spv 2 Limited
- 2026-03-06🔒Charge registered #10Lender: Romaco Spv 2 Limited
- 2026-03-06🔒Charge registered #9Lender: Romaco Spv 2 Limited
- 2025-12-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-25🔒Charge registered #8Lender: London Credit LTD
- 2025-11-25🔒Charge registered #7Lender: London Credit Limited
- 2025-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-08📄legacymiscellaneous · RP01SH01
- 2025-10-08🔒Charge registered #6Lender: Shawbrook Bank Limited
- 2025-10-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-03🔒Charge registered #5Lender: Shawbrook Bank Limited
- 2025-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-04🔒Charge registered #4Lender: Romaco Spv 1 Limited
- 2025-04-04🔒Charge registered #3Lender: Romaco Spv 1 Limited
- 2025-02-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-24🔒Charge registered #2Lender: London Credit LTD
- 2024-05-24🔒Charge registered #1Lender: London Credit Limited
- 2023-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-23📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-08-29📄gazette-notice-compulsorygazette · GAZ1
- 2022-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2011-09-13🏢Company incorporatedAs A A PROPERTY INVESTMENT (LUTON) LIMITED
- 2011-09-13➕HUSSAIN, Abid appointeddirector
- 2011-09-13➕HUSSAIN, Asif appointeddirector
Owner dependency
79/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 low7 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-06: A registered charge; 2026-03-06: A registered charge; 2026-03-06: A registered charge
10 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Asif Hussain Individual · British · DOB 09/1978 · age 48 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/02/2025 |
Mr Abid Hussain Individual · British · DOB 05/1968 · age 58 | — | — | sig. influencesignificant influence | 01/09/2016 |
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.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| A & A BROS ESTATE LTD→ 15703375 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A & A UDEEN LIMITED→ 16007891 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A5K PROPERTIES LTD→ 15950085 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AA LANDMARK LIMITED→ 15848038 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AAAA PROPERTIES LTD→ 15777120 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AALMAYA LTD→ 16810350 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AB ACRES LTD→ 15002401 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABBOT DUPLICATE BOOK COMPANY LIMITED→ 00195215 · est 1924 · no financials extracted | — | — | — | — | 102y | — | — |
| ABBRAN HOMES LIMITED→ 13395866 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ABELLA PROPERTIES LIMITED→ 01602106 · est 1981 · no financials extracted | — | — | — | — | 44y | — | — |
| ABIDEV LTD→ 14848007 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABILITY HOUSING GROUP LTD→ 16793230 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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 →🔒Advanced scoring suite
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
Statusactive
Typeltd
Incorporated2011-09-13
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
12-14 Leagrave Road
Luton
LU4 8HZ
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03
Officers (2 active · 0 resigned)
HUSSAIN, Abid→
Activedirector · ~58y · appointed 2011-09-13
View their other companies + combined net worth →
HUSSAIN, Asif→
Activedirector · ~48y · appointed 2011-09-13
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
10
Outstanding
4
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Romaco Spv 2 Romaco Spv 2 Limited | A registered charge | 1 property | 06/03/2026 | — | |
| satisfied | Romaco Spv 2 Romaco Spv 2 Limited | A registered charge | 1 property | 06/03/2026 | 21/04/2026 | |
| outstanding | Romaco Spv 2 Romaco Spv 2 Limited | A registered charge | 1 property | 06/03/2026 | — | |
| outstanding | London Credit London Credit LTD | A registered charge | 2 properties | 25/11/2025 | — | |
| outstanding | London Credit London Credit Limited | A registered charge | — | 25/11/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 08/10/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 03/10/2025 | — | |
| outstanding | Romaco Spv 1 Romaco Spv 1 Limited | A registered charge | 2 properties | 04/04/2025 | — | |
| outstanding | Romaco Spv 1 Romaco Spv 1 Limited | A registered charge | 2 properties | 04/04/2025 | — | |
| outstanding | London Credit London Credit LTD | A registered charge | 1 property | 24/05/2024 | — | |
| outstanding | London Credit London Credit Limited | A registered charge | — | 24/05/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (50 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-09
legacy
miscellaneous · RP01SH01
2025-10-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-17
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-02-03