1ST QUALITY INVESTMENTS LIMITED
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -66% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · oldest 8.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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 | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | £2.74M | £2.81M |
| Current assets | £341.8k | £415.7k |
| Cash | £22.6k | £65.6k |
| Debtors | £100.6k | £121.4k |
| Net assets | £1.44M | £1.48M |
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
- • 1 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
- • 1 persons-with-significant-control
- • 1 confirmation-statement
Corporate timeline (24 events)Click to expand
- 2026-05-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-05-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-04-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-09🔒Charge registered #3Lender: Metro Bank PLC
- 2024-02-29📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-02-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-02-03📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2022-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-04-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-17📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-24🔓Charge satisfied #1
- 2017-09-11🔒Charge registered #2Lender: Metro Bank PLC
- 2017-09-11🔒Charge registered #1Lender: Metro Bank PLC
- 2017-03-09🏢Company incorporatedAs 1ST QUALITY INVESTMENTS LIMITED
- 2017-03-09➕PASTOU, Andrea appointeddirector
- 2017-03-09➕PASTOU, Panayiotis appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanGroup structure
1st Quality Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
1st Quality Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 09/03/2022 |
2 historic (ceased) PSCs
- Mr Panayiotis Pastouceased 09/03/2022· 25-50% shares · 25-50% voting · board control
- Mr Panayiotis Pastouceased 09/03/2022· 25-50% shares
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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|---|---|---|---|---|---|---|---|
| 1REIT PLC→ 16474982 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| 21BG LTD→ 14907760 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 21KENT INV LTD→ 16121285 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 22 PROPERTIES LTD→ 16309172 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 22 VTR LTD→ 10830911 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 220A BCL LTD→ 16316054 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 225 CITY SERVICES LIMITED→ 12931301 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 225 MARSH WALL COMMERCIALCO LIMITED→ 15837870 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 225 MARSH WALL RETAILCO LIMITED→ 15834638 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
6 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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Metro Bank Metro Bank PLC | A registered charge | 1 property | 09/04/2024 | — | |
| outstanding | Metro Bank Metro Bank PLC | A registered charge | 1 property | 11/09/2017 | — | |
| satisfied | Metro Bank Metro Bank PLC | A registered charge | 1 property | 11/09/2017 | 24/08/2018 |