168 INVESTMENT LTD
Opportunity 75/100 (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. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
6 live charges · 6 lenders · oldest 5.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.7 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)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 · FRS 105 (micro)Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 |
|---|---|
| Total assets | £694.7k |
| Current assets | £432.4k |
| Net assets | £-110.1k |
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 mortgage
- • 2 accounts
- • 1 mortgage
Corporate timeline (29 events)Click to expand
- 2026-03-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-03-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-11🔒Charge registered #6Lender: Vida Bank Limited Trading as Vida Homeloans
- 2025-12-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-07-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-10🔓Charge satisfied #4
- 2025-07-01🔒Charge registered #5Lender: Aldermore Bank PLC
- 2025-05-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-28🔓Charge satisfied #1
- 2023-06-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-22🔒Charge registered #4Lender: Landbay Partners Limited
- 2023-06-06📄resolutionresolution · RESOLUTIONS
- 2023-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-01🔒Charge registered #3Lender: Kensington Mortgage Company Limited
- 2022-07-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-10🔒Charge registered #2Lender: Charter Court Financial Services Limited
- 2022-01-31📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-05-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-08-26🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2019-04-25🏢Company incorporatedAs 168 INVESTMENT LTD
- 2019-04-25➕WU, Adam appointeddirector
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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +No director turnover: Company is 7 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.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Adam Wu Individual · British · DOB 07/1967 · age 59 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/04/2019 |
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 | Vida Bank Trading as Vida Homeloans Vida Bank Limited Trading as Vida Homeloans | A registered charge | 1 property | 11/03/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 01/07/2025 | — | |
| satisfied | Landbay Landbay Partners Limited | A registered charge | 1 property | 22/06/2023 | 10/07/2025 | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 01/08/2022 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 10/02/2022 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 26/08/2020 | 28/07/2023 |