AET INVESTMENTS LIMITED

🏛️Establishedactive
12760733 · ltd · incorporated 2020-07-22
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 Jul 2025
Net worth
book net assets
Opportunity
75/100
Strong
🔔
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What this business does

Likely a small property development and lettings business based in Thorpe Bay, Essex, that develops residential or commercial building projects and manages rental income from owned or leased real estate — potentially operating as a vehicle for a single director's property portfolio.

Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (60/100, director aged 67). 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

6 live charges · 3 lenders · oldest 3.3y

25/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Charge age ~3.3 years — mid-life; refi window approaching.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
6 charges (6/6 with lender, 6/6 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
6 connected companies via shared directors
63
Filing history
27 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities
£0£0£0£0£0£0Jul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Average employees100100

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 accounts
Last 180 days
1
filing
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2026-04-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-07-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-07-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-07-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2025-07-14
    🔒
    Charge registered #6
    Lender: Mtf (Le) Limited
  7. 2025-07-14
    🔒
    Charge registered #5
    Lender: Mtf (Le) Limited
  8. 2024-11-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-04-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-07-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2023-07-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2023-07-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2023-06-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2023-06-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2023-06-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2023-06-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2023-06-08
    🔒
    Charge registered #4
    Lender: Quantum Mortgages Limited
  18. 2023-06-08
    🔒
    Charge registered #3
    Lender: Quantum Mortgages Limited
  19. 2023-06-08
    🔓
    Charge satisfied #2
  20. 2023-06-08
    🔓
    Charge satisfied #1
  21. 2023-04-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2023-01-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2023-01-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2023-01-18
    🔒
    Charge registered #2
    Lender: Together Commercial Finance Limited
  25. 2023-01-18
    🔒
    Charge registered #1
    Lender: Together Commercial Finance Limited
  26. 2022-02-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  27. 2021-07-23
    📄
    capital-allotment-shares
    capital · SH01
  28. 2020-09-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  29. 2020-07-22
    🏢
    Company incorporated
    As AET INVESTMENTS LIMITED
  30. 2020-07-22
    KARSLAKE, Edward Layzell Howard appointed
    director
  31. 2020-07-22
    KARSLAKE, Sandra Janet appointed
    director

Owner dependency

86/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +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

56/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Sandra Janet Karslake
Individual · British · DOB 01/1959 · age 67
2550%
25–50%25-50% shares · 25-50% voting22/07/2020
Edward Layzell Howard Karslake
Individual · British · DOB 03/1994 · age 32
2550%
25–50%25-50% shares · 25-50% voting22/07/2020

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2020-07-22
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects

Registered office

29-31 Shoebury Road
C/O Mcl Accountants
Thorpe Bay
Essex
SS1 3RP
England

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-08-01
Last: 2025-07-18

Officers (2 active · 0 resigned)

KARSLAKE, Edward Layzell Howard
director · ~32y · appointed 2020-07-22
View their other companies + combined net worth →
Active
KARSLAKE, Sandra Janet
director · ~67y · appointed 2020-07-22
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

6
Total charges
4
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Mtf (Le)
Mtf (Le) Limited
A registered charge1 property14/07/2025
outstanding
Mtf (Le)
Mtf (Le) Limited
A registered charge1 property14/07/2025
outstanding
Quantum Mortgages
Quantum Mortgages Limited
A registered charge1 property08/06/2023
outstanding
Quantum Mortgages
Quantum Mortgages Limited
A registered charge1 property08/06/2023
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property18/01/202308/06/2023
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property18/01/202308/06/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (27 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-27
change-person-director-company-with-change-date
officers · CH01
2025-07-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-25
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-20
change-person-director-company-with-change-date
officers · CH01
2023-07-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-15
mortgage-satisfy-charge-full
mortgage · MR04
2023-06-08