A & CH PROPERTIES LIMITED
Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -90% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: distressed disposal / insolvency (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 4.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.1 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £865.3k | £763.5k |
| Current assets | £9.7k | £9.7k |
| Cash | £231 | £2.3k |
| Debtors | £9.4k | £7.4k |
| Net assets | £-217.0k | £-209.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
Corporate timeline (13 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-01-27🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2022-06-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-05-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-03🔒Charge registered #1Lender: Cambridge & Counties Bank Limited
- 2020-09-16🏢Company incorporatedAs A & CH PROPERTIES LIMITED
- 2020-09-16➕HEAD, Andrew appointeddirector
- 2020-09-16➕HEAD, Claire appointeddirector
- 2020-09-16📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +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
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Head Individual · British · DOB 08/1974 · age 52 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 16/09/2020 |
Mrs Claire Head Individual · British · DOB 05/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 16/09/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| 14 RAMSHILL ROAD (MANAGEMENT) LIMITED→ 09691377 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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| ABBEYFIELD YORK SOCIETY LIMITED(THE)→ 00721891 · est 1962 · no financials extracted | — | — | — | — | 63y | — | — |
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| ACH PROPERTIES LIMITED→ 08526621 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ACTION PROPERTY PERSONNEL LIMITED→ 07087160 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 27/01/2023 | — | |
| outstanding | Cambridge & Counties Cambridge & Counties Bank Limited | A registered charge | 1 property | 03/05/2022 | — |