AAA CAPITAL INVESTMENT LIMITED

🌳Matureactive

08671543 · ltd · incorporated 2013-09-02

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2024

Net worth

£106.5k

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Sector: Financial & insurance

ALSO REGISTERED FOR

64929Other credit granting n.e.c.

Investor take

Pursue

Asset-holding vehicle with a 74-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -92% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (79/100)

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

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

26 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £106,475

Net assets shrinking

Down £2,062 YoY

Cash draining

Cash down 92% YoY

Cash YoY

-92%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£326

↓ 92% YoY

Net Worth

£106k

↓ 1.9% YoY

Current Assets

£132k

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-09-30	2023-09-30
Total assets	£123.8k	£135.9k
Current assets	£132.3k	—
Cash	£326	£3.9k
Debtors	£132.0k	£132.0k
Net assets	£106.5k	£108.5k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (18 events)Click to expand

2025-04-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-10-09
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2018-06-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-06-30
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-06-29
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-09-14
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-05-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-10-03
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-03-19
📍
change-registered-office-address-company-with-date-old-address
address · AD01
2013-09-02
🏢
Company incorporated
As AAA CAPITAL INVESTMENT LIMITED
2013-09-02
➕
JOHAL, Gurinderjit Singh appointed
director
2013-09-02
➕
JOHAL, Satnam Kaur appointed
director

Owner dependency

86/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder age: Director aged approximately 74 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

79/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondary12+ year tenure: Director in role 13 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Satnam Kaur Johal Individual · British · DOB 07/1953 · age 73	25–50%	—	25-50% shares	30/06/2016
Mr Gurinderjit Singh Johal Individual · British · DOB 02/1952 · age 74	—	—	sig. influencesignificant influence	02/09/2016

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.

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4CEEN LIMITED→ 15815222 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
7SKY SECURITY LIMITED→ 17074949 · est 2026 · no financials extracted	—	—	—	—	—	—	—
A G FINANCE HUB LTD→ 08329197 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
A L M S GROUP LIMITED→ 03523817 · est 1998 · no financials extracted	—	—	—	—	28y	—	—
A1 FINANCE SOLUTIONS LTD→ 16262788 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
AAR ASSURED INVESTMENT LIMITED→ 15568248 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
ABADVICE LIMITED→ 10068210 · est 2016 · no financials extracted	—	—	—	—	10y	—	—

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

🔒Tailored diligence questions

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.

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🔒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.

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Company details

Statusactive

Typeltd

Incorporated2013-09-02

Jurisdictionengland-wales

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Unit 8, Whilems Works Forest Road

Hainault

Ilford

Essex

IG6 3HJ

Filing status

Accounts

Next due: 2026-06-30

Last made up to: 2024-09-30

Confirmation statement

Next due: 2026-08-31

Last: 2025-08-17

Officers (2 active · 0 resigned)

JOHAL, Gurinderjit Singh→

director · ~74y · appointed 2013-09-02

View their other companies + combined net worth →

Active

JOHAL, Satnam Kaur→

director · ~73y · appointed 2013-09-02

View their other companies + combined net worth →

Active

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