A&A LET LTD
🏛️Establishedactive
12358405 · ltd · incorporated 2019-12-11
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 Dec 2024
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 71/100 (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 (58/100).
🏦
Refinance opportunity
4 live charges · 3 lenders · oldest 5.8y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.8 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: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
18 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-10-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-10🔒Charge registered #4Lender: Leeds Building Society
- 2025-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-09-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-09-15🔓Charge satisfied #2
- 2022-09-15🔓Charge satisfied #1
- 2022-08-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-05🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2021-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-08-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-08-05🔒Charge registered #2Lender: Aldermore Bank PLC
- 2020-08-05🔒Charge registered #1Lender: Aldermore Bank PLC
- 2019-12-11🏢Company incorporatedAs A&A LET LTD
- 2019-12-11➕NASTERNAK, Andrzej Leszek appointeddirector
- 2019-12-11➕NASTERNAK, Anna Katarzyna appointeddirector
- 2019-12-11📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Anna Katarzyna Nasternak Individual · British · DOB 10/1972 · age 54 | 25–50% | — | 25-50% shares | 11/12/2019 |
Mr Andrzej Leszek Nasternak Individual · Polish · DOB 04/1971 · age 55 | 25–50% | — | 25-50% shares | 11/12/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Property · ME postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 21 CLIFTON CRESCENT (FOLKESTONE) FREEHOLD COMPANY LIMITED→ 06668517 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| 31-48 SUNDERLAND CLOSE RTM COMPANY LIMITED→ 08116260 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| 36 ALBANY MANAGEMENT LTD→ 14757202 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 369 ROMAN LTD→ 13293174 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 4J PROPERTIES UK LIMITED→ 15909275 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 6 BYRON ROAD (MANAGEMENT) LIMITED→ 03950536 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| 7-12 SUNDERLAND CLOSE RTM COMPANY LIMITED→ 07672667 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| 86/88/90 HIGH STREET LIMITED→ 09549902 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| 9 WATTS AVENUE MANAGEMENT COMPANY LIMITED→ 03609500 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| 93 ESTATES LTD→ 15902519 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A&A HOMES KENT LIMITED→ 15473483 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| A&A LUXESTATE LIMITED→ 15777607 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2019-12-11
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
52 Edna Road
Maidstone
Kent
ME14 2QN
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-23
Last: 2025-12-09
Officers (2 active · 0 resigned)
NASTERNAK, Andrzej Leszek→
Activedirector · ~55y · appointed 2019-12-11
View their other companies + combined net worth →
NASTERNAK, Anna Katarzyna→
Activedirector · ~54y · appointed 2019-12-11
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
2
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Leeds Building Society | A registered charge | 1 property | 10/10/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 05/08/2022 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | — | 05/08/2020 | 15/09/2022 | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 05/08/2020 | 15/09/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (18 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-20
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-15
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-22