AHCI LIMITED

🌳Matureactive
09135644 · ltd · incorporated 2014-07-17
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£5.71M
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 79-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 79). 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: strategic trade sale (73/100).

🏦

Refinance opportunity

5 live charges · 4 lenders · oldest 7.0y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 7.0 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (84/100)

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 10 with DOB)
90
Ownership & PSC
4 active PSC(s) of 7 total, 7 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
69 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £5,709,803
Cash draining
Cash down 59% YoY
Cash YoY
-59%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£9k
↓ 59% YoY
Net Worth
£5.7m
↑ 9.2% YoY
Current Assets
£8.6m
↑ 25% YoY
Current Liabilities
—
£0£1.7m£3.4m£5.2m£6.9m£8.6mJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Total assets£5.71M£5.23M
Current assets£8.60M£6.89M
Cash£8.8k£21.7k
Debtors£8.59M£6.86M
Net assets£5.71M£5.23M

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
1
filing
  • • 1 accounts
Last 90 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
4
filings
  • • 1 accounts
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
  1. 2026-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-12-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  3. 2025-11-25
    ➖
    MIRZA, Attiyah Zahrah resigned
    director
  4. 2025-11-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2025-06-09
    ➕
    TOPPING, James Christian appointed
    director
  6. 2025-06-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2025-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-04-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2023-10-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  10. 2023-09-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2023-09-29
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  12. 2023-09-29
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  13. 2023-04-20
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2023-03-13
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2022-12-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2022-11-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2022-11-24
    🔒
    Charge registered #5
    Lender: National Westminster Bank PLC
  18. 2022-11-22
    ➖
    REYNOLDS, John Matthew resigned
    director
  19. 2022-07-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2022-07-13
    🔓
    Charge satisfied #2
  21. 2022-02-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2022-02-07
    📄
    capital-allotment-shares
    capital · SH01
  23. 2021-12-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2021-12-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2021-12-23
    🔒
    Charge registered #4
    Lender: Lynx Services Establishment
  26. 2021-12-23
    🔒
    Charge registered #3
    Lender: Lynx Services Establishment
  27. 2021-11-19
    ➖
    HALLIDAY, Jon Eric resigned
    director
  28. 2020-07-01
    ➖
    COOPER, Simon Charles resigned
    director
  29. 2020-02-11
    🔓
    Charge satisfied #1
  30. 2020-02-07
    🔒
    Charge registered #2
    Lender: Mt Finance Limited
  31. 2019-04-30
    🔒
    Charge registered #1
    Lender: Aspen Bridging Limited
  32. 2019-01-24
    ➕
    GANNON, Keith Phillip appointed
    director
  33. 2019-01-24
    ➕
    COOPER, Simon Charles appointed
    director
  34. 2019-01-24
    ➕
    REYNOLDS, John Matthew appointed
    director
  35. 2017-10-03
    ➕
    HALLIDAY, Jon Eric appointed
    director
  36. 2017-10-02
    ➖
    BRENNAN, John James resigned
    director
  37. 2016-03-01
    ➕
    SALT, Mike David appointed
    director
  38. 2016-03-01
    ➖
    GLEAVE, Adrian Marcus resigned
    director
  39. 2015-09-28
    ➕
    GLEAVE, Adrian Marcus appointed
    director
  40. 2015-09-16
    ➕
    BRENNAN, John James appointed
    director
  41. 2015-08-25
    ➖
    TAYLOR, Alan Paul resigned
    director
  42. 2015-01-19
    ➕
    TAYLOR, Alan Paul appointed
    director
  43. 2014-07-17
    🏢
    Company incorporated
    As AHCI LIMITED
  44. 2014-07-17
    ➕
    MIRZA, Attiyah Zahrah appointed
    director

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Founder age: Director aged approximately 79 — succession pressure is live.

Succession & seller-readiness

65/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️
Makin Hay Limited
Corporate parent · holds 25-50% shares
significant stake
🏛️
Jamgan4 Ltd
Corporate parent · holds 25-50% shares
significant stake
⬇
AHCI LIMITED
This company · 09135644

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

4 active beneficial owners · fragmented
NameSharesVoting rightsNature of controlNotified
Makin Hay Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting21/06/2022
Mr Michael David Salt
Individual · British · DOB 03/1947 · age 79
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Jamgan4 Ltd
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Keith Phillip Gannon
Individual · British · DOB 05/1962 · age 64
——sig. influencesignificant influence20/08/2019
3 historic (ceased) PSCs
  • Mr Jon Eric Hallidayceased 20/08/2019· significant influence
  • Mrs Attiyah Zahrah Mirzaceased 25/11/2025· significant influence
  • Mr John James Brennanceased 12/04/2017· significant influence

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 →

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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
Incorporated2014-07-17
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

110 Mere Grange
Leaside
St. Helens
WA9 5GG
England

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-03-04
Last: 2026-02-18

Officers (3 active · 7 resigned)

GANNON, Keith Phillip→
director · ~64y · appointed 2019-01-24
View their other companies + combined net worth →
Active
SALT, Mike David→
director · ~79y · appointed 2016-03-01
View their other companies + combined net worth →
Active
TOPPING, James Christian→
director · ~52y · appointed 2025-06-09
View their other companies + combined net worth →
Active
BRENNAN, John James→
director · ~72y · appointed 2015-09-16 · resigned 2017-10-02
Resigned
COOPER, Simon Charles→
director · ~61y · appointed 2019-01-24 · resigned 2020-07-01
Resigned
GLEAVE, Adrian Marcus→
director · ~56y · appointed 2015-09-28 · resigned 2016-03-01
Resigned
HALLIDAY, Jon Eric→
director · ~48y · appointed 2017-10-03 · resigned 2021-11-19
Resigned
MIRZA, Attiyah Zahrah→
director · ~60y · appointed 2014-07-17 · resigned 2025-11-25
Resigned
REYNOLDS, John Matthew→
director · ~48y · appointed 2019-01-24 · resigned 2022-11-22
Resigned
TAYLOR, Alan Paul→
director · ~73y · appointed 2015-01-19 · resigned 2015-08-25
Resigned

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

Mortgages & charges

5
Total charges
3
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge—24/11/2022—
outstanding
Lynx Services Establishment
A registered charge1 property23/12/2021—
outstanding
Lynx Services Establishment
A registered charge1 property23/12/2021—
satisfied
MT Finance
Mt Finance Limited
A registered charge1 property07/02/202013/07/2022
satisfied
Aspen Bridging
Aspen Bridging Limited
A registered charge1 property30/04/201911/02/2020
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (69 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-04
termination-director-company-with-name-termination-date
officers · TM01
2025-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
appoint-person-director-company-with-name-date
officers · AP01
2025-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-10-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-29
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-29
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-03