A & H HOUSING LIMITED
Opportunity 74/100 (strong), bankability 85/100. 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 -91% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 8.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | — | £-2.3k |
| Current assets | — | £25.9k |
| Cash | £308 | £3.5k |
| Debtors | — | £22.4k |
| Net assets | £8.2k | £-2.3k |
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 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (19 events)Click to expand
- 2025-09-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-10-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-10-22🔓Charge satisfied #2
- 2022-10-22🔓Charge satisfied #1
- 2022-04-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-09-05🔒Charge registered #2Lender: Lloyds Bank PLC
- 2018-08-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-08-03🔒Charge registered #1Lender: Lloyds Bank PLC
- 2018-04-25🏢Company incorporatedAs A & H HOUSING LIMITED
- 2018-04-25➕KAUR, Sukhvinder appointeddirector
- 2018-04-25➕SINGH, Satwinder appointeddirector
- 2018-04-25📄incorporation-companyincorporation · NEWINC
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.
- +No director turnover: Company is 8 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Satwinder Singh Individual · British · DOB 03/1969 · age 57 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/04/2018 |
Mrs Sukhvinder Kaur Individual · British · DOB 12/1969 · age 57 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/04/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 05/09/2018 | 22/10/2022 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 03/08/2018 | 22/10/2022 |