3A RETAIL UK LTD
Opportunity 73/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 7.0y
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.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £451.5k | £370.9k |
| Current assets | £146.0k | £67.2k |
| Net assets | £23.0k | £2.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (15 events)Click to expand
- 2025-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-27🔒Charge registered #3Lender: Hsbc UK Bank PLC
- 2024-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-06-20🔒Charge registered #2Lender: National Westminster Bank PLC
- 2019-06-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-05-29🔒Charge registered #1Lender: National Westminster Bank PLC
- 2018-10-15🏢Company incorporatedAs 3A RETAIL UK LTD
- 2018-10-15➕AHILAN, Perinpanayagam appointeddirector
- 2018-10-15📄incorporation-companyincorporation · NEWINC
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 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Perinpanayagam Ahilan Individual · British · DOB 11/1979 · age 47 | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest | 15/10/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 27/08/2024 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 20/06/2019 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 29/05/2019 | — |