A&A PROPERTY LETTINGS LIMITED
🏛️Establishedactive
12495327 · ltd · incorporated 2020-03-03
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 Mar 2025
Net worth
—
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
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
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 (73/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 5.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.9 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 (78/100)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
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
Network not yet resolved
30
Filing history
15 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.
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 · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2025-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-01🔒Charge registered #3Lender: West Bromwich Commercial Limited
- 2021-12-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-27🔒Charge registered #2Lender: Aldermore Bank PLC
- 2020-07-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-07-24🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2020-03-03🏢Company incorporatedAs A&A PROPERTY LETTINGS LIMITED
- 2020-03-03➕GARRETY, Allison Jane appointeddirector
- 2020-03-03➕GARRETY, Andrew James appointeddirector
- 2020-03-03📄incorporation-companyincorporation · NEWINC
Owner dependency
79/100
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 62 — approaching natural succession window.
- +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
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. 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 |
|---|---|---|---|---|
Andrew James Garrety Individual · British · DOB 05/1972 · age 54 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/03/2020 |
Allison Jane Garrety Individual · British · DOB 09/1964 · age 62 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/03/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| 25 HAMILTON ESTATES LIMITED→ 10369935 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 367 PROPERTIES LTD→ 16887036 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 606 DEVELOPMENTS LIMITED→ 11704836 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 77 NORTHGATE STREET LIMITED→ 16110087 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 83 CAPITAL LIMITED→ 12405155 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| 9 FRIENDS LIMITED→ 15187245 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 97 LISCARD ROAD MANAGEMENT LIMITED→ 09475517 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| A & A PROPERTIES & SONS LIMITED→ 15650507 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| A A PROPERTY NW LIMITED→ 16572333 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A AND M HOMES AND LETTINGS LTD→ 16204770 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A&AK LTD→ 11870068 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| A&B INVESTMENT PROPERTIES LTD→ 17104108 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2020-03-03
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
C/O O'Meara Fitzmaurice & Co
Brimstage Hall
Brimstage Road
Wirral
CH63 6JA
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-16
Last: 2026-03-02
Officers (2 active · 0 resigned)
GARRETY, Allison Jane→
Activedirector · ~62y · appointed 2020-03-03
View their other companies + combined net worth →
GARRETY, Andrew James→
Activedirector · ~54y · appointed 2020-03-03
View their other companies + combined net worth →
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 | West Bromwich Commercial West Bromwich Commercial Limited | A registered charge | 2 properties | 01/06/2022 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 27/08/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 24/07/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (15 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-09-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-07-29
incorporation-company
incorporation · NEWINC
2020-03-03