A & I HOLDINGS LIMITED
🏛️Establishedactive
12836851 · ltd · incorporated 2020-08-25
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 Aug 2025
Net worth
—
book net assets
Opportunity
74/100
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 74/100 (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. 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
5 live charges · 3 lenders · oldest 4.6y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.6 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: 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
5 charges (5/5 with lender, 5/5 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
18 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
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 | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | — | £228.0k |
| Net assets | — | £118.0k |
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
1
filing
- • 1 accounts
Last 180 days
3
filings
- • 2 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-04-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-21🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2026-01-21🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2024-11-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-01🔒Charge registered #3Lender: Paratus Amc Limited
- 2024-02-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-07🔓Charge satisfied #1
- 2024-01-30🔒Charge registered #2Lender: Paratus Amc Limited
- 2023-09-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-30🔒Charge registered #1Lender: Castle Trust Capital PLC
- 2021-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-07-01➕DUTTON, Aneta appointeddirector
- 2020-08-25🏢Company incorporatedAs A & I HOLDINGS LIMITED
- 2020-08-25➕DUTTON, Benjamin John, Dr appointeddirector
- 2020-08-25📄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
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 |
|---|---|---|---|---|
Dr Benjamin John Dutton Individual · British · DOB 08/1979 · age 47 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/08/2020 |
Mrs Aneta Dutton Individual · British · DOB 01/1982 · age 44 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/08/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · LL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AB OWAIN PROPERTIES CYF→ 15372163 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADAM DOCWRA PROPERTY LTD→ 14332231 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ADAR GLEISION CYF→ 11630246 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ADH ENTERPRISES LTD→ 09507629 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AELWYD - DATBLYGWYR EIDDO/PROPERTY DEVELOPERS LTD→ 15399424 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AG REAL ESTATE WRXHM LTD→ 16817500 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGN AGILE PROPERTIES LTD→ 14068830 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AJ PROPERTIES BODORGAN LIMITED→ 14440519 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AJAK DEVELOPMENTS LTD→ 11720558 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AJP COMMERCIAL PROPERTIES LTD→ 15678696 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AK RENTAL PROPERTIES LIMITED→ 14894109 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AL & JE PROPERTIES LIMITED→ 15882998 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2020-08-25
Jurisdictionwales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
3 Bryn Morfa
Dolgarrog
Conwy
LL32 8JW
Wales
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-09-07
Last: 2025-08-24
Officers (2 active · 0 resigned)
DUTTON, Aneta→
Activedirector · ~44y · appointed 2021-07-01
View their other companies + combined net worth →
DUTTON, Benjamin John, Dr→
Activedirector · ~47y · appointed 2020-08-25
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
4
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 21/01/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 21/01/2026 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 01/03/2024 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 30/01/2024 | — | |
| satisfied | Castle Trust Capital Castle Trust Capital PLC | A registered charge | 1 property | 30/11/2021 | 07/02/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (18 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-07
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-05
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-12-06
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-31