A3V INVESTMENTS LTD
🏛️Establishedactive
12317909 · ltd · incorporated 2019-11-15
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£-30.9k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 79/100 (strong), bankability 67/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 5.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
16 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £30,854
Cash YoY
+211%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£39k
↑ 211% YoY
Net Worth
-£31k
↓ 3243% YoY
Current Assets
£39k
↑ 211% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £772.9k | £747.8k |
| Current assets | £38.7k | £12.5k |
| Cash | £38.7k | £12.5k |
| Net assets | £-30.9k | £-923 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 mortgage
Last 180 days
2
filings
- • 1 mortgage
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-07🔒Charge registered #3Lender: Godiva Mortgages Limited
- 2026-03-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-19🔒Charge registered #2Lender: Fleet Mortgages Lmited
- 2023-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-04-26🔒Charge registered #1Lender: Keystone Property Finance Limited
- 2019-11-15🏢Company incorporatedAs A3V INVESTMENTS LTD
- 2019-11-15➕CHANDRA, Vini appointedsecretary
- 2019-11-15➕CHANDRA, Vini appointeddirector
- 2019-11-15➕PAHWA, Ajay appointeddirector
- 2019-11-15📄incorporation-companyincorporation · NEWINC
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ajay Pahwa Individual · British · DOB 07/1968 · age 58 | 50–75% | — | 50-75% shares | 15/11/2019 |
Mrs Vini Chandra Individual · British · DOB 06/1974 · age 52 | 50–75% | — | 50-75% shares | 15/11/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2019-11-15
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
5 Simmons Place
Staines-Upon-Thames
Surrey
TW18 3HW
England
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-28
Last: 2025-11-14
Officers (3 active · 0 resigned)
Active
CHANDRA, Vini→
Activedirector · ~52y · appointed 2019-11-15
View their other companies + combined net worth →
Active
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
3
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 07/05/2026 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Lmited | A registered charge | 1 property | 19/09/2023 | — | |
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 2 properties | 26/04/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (16 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-22
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-14