1NA (MELTON) LIMITED
Opportunity 65/100 (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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
27 live charges · 4 lenders · oldest 11.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 11.5 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (83/100)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 · 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 | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Total assets | £2.32M | £1.71M |
| Current assets | £2.11M | £1.41M |
| Cash | £37.3k | £18.7k |
| Debtors | £600.2k | £473.8k |
| Net assets | £217.3k | £199.7k |
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 mortgage
- • 5 mortgage
- • 5 mortgage
- • 1 confirmation-statement
Corporate timeline (54 events)Click to expand
- 2026-04-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-27🔒Charge registered #27Lender: Hbb Bridging Loans Limited
- 2026-01-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-23🔒Charge registered #26Lender: Hbb Bridging Loans Limited
- 2026-01-23🔒Charge registered #25Lender: Hbb Bridging Loans Limited
- 2026-01-09🔒Charge registered #24Lender: Hbb Bridging Loans Limited
- 2026-01-09🔒Charge registered #23Lender: Hbb Bridging Loans Limited
- 2025-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-31🔒Charge registered #22Lender: Together Commercial Finance Limited
- 2025-07-31🔒Charge registered #21Lender: Together Commercial Finance Limited
- 2025-03-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-06🔒Charge registered #20Lender: Together Commercial Finance Limited
- 2025-03-06🔒Charge registered #19Lender: Together Commercial Finance Limited
- 2025-01-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-14🔒Charge registered #18Lender: Together Commercial Finance Limited
- 2025-01-14🔒Charge registered #17Lender: Together Commercial Finance Limited
- 2024-11-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-23🔒Charge registered #16Lender: Together Commercial Finance Limited
- 2024-10-23🔒Charge registered #15Lender: Together Commercial Finance Limited
- 2024-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-02🔓Charge satisfied #9
- 2024-02-02🔓Charge satisfied #6
- 2023-12-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-20🔒Charge registered #14Lender: Together Commercial Finance Limited
- 2023-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-06🔒Charge registered #13Lender: Hbb Bridging Loans Limited
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-24🔒Charge registered #12Lender: Hbb Bridging Loans Limited
- 2023-11-24🔒Charge registered #11Lender: Lendinvest Btl Limited
- 2023-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-31🔒Charge registered #10Lender: Hbb Bridging Loans Limited
- 2022-11-01🔒Charge registered #8Lender: Lendinvest Btl Limited
- 2022-10-28🔒Charge registered #9Lender: Hbb Bridging Loans Limited
- 2022-10-28🔒Charge registered #7Lender: Hbb Bridging Loans Limited
- 2021-12-08🔒Charge registered #6Lender: Hbb Bridging Loans Limited
- 2021-08-23🔒Charge registered #5Lender: Lendinvest Btl Limited
- 2020-12-15🔒Charge registered #4Lender: Lendinvest Btl Limited
- 2020-04-23🔒Charge registered #3Lender: Lendinvest Btl Limited
- 2020-04-15🔓Charge satisfied #1
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-27: A registered charge; 2026-01-23: A registered charge; 2026-01-23: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Nicholas John Alexander Individual · British · DOB 07/1975 · age 51 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
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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9 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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | 1 property | 27/03/2026 | — | |
| outstanding | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | — | 23/01/2026 | — | |
| outstanding | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | 1 property | 23/01/2026 | — | |
| outstanding | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | — | 09/01/2026 | — | |
| outstanding | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | 1 property | 09/01/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 31/07/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 31/07/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 06/03/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 06/03/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 14/01/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 14/01/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 23/10/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 23/10/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 20/12/2023 | — | |
| outstanding | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | 1 property | 06/12/2023 | — | |
| outstanding | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | 1 property | 24/11/2023 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 24/11/2023 | — | |
| outstanding | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | 1 property | 31/03/2023 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 01/11/2022 | — | |
| satisfied | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | — | 28/10/2022 | 02/02/2024 | |
| outstanding | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | 1 property | 28/10/2022 | — | |
| satisfied | Hbb Bridging Loans Hbb Bridging Loans Limited | A registered charge | 1 property | 08/12/2021 | 02/02/2024 | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 23/08/2021 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 15/12/2020 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 23/04/2020 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 28/11/2019 | — | |
| satisfied | Hbb Bridging Loans Hbb Bridging Loans LTD | A registered charge | 1 property | 10/10/2014 | 15/04/2020 |