A & A PROPERTIES & LETTINGS LTD
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Opportunity 66/100 (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
6 live charges · 3 lenders · oldest 4.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.5 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key 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 | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Average employees | 1100 | 1300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 3 mortgage
- • 1 accounts
Corporate timeline (27 events)Click to expand
- 2026-01-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-12🔒Charge registered #6Lender: Aldermore Bank PLC
- 2025-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-21🔒Charge registered #5Lender: Aldermore Bank PLC
- 2025-11-21🔒Charge registered #4Lender: Aldermore Bank PLC
- 2025-11-06📄memorandum-articlesincorporation · MA
- 2025-11-06📄resolutionresolution · RESOLUTIONS
- 2025-07-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-07-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-07-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-07-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-25📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2023-03-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-27🔒Charge registered #3Lender: Shawbrook Bank Limited
- 2023-01-31📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-07-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-07-25📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2021-11-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-08🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2021-11-08🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2020-11-12🏢Company incorporatedAs A & A PROPERTIES & LETTINGS LTD
- 2020-11-12➕AHMED, Sabir appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-12: A registered charge; 2025-11-21: A registered charge; 2025-11-21: A registered charge
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Sabir Ahmed Individual · British · DOB 03/1983 · age 43 | 75–100% | — | 75-100% shares | 02/06/2025 |
2 historic (ceased) PSCs
- Mrs Syeda Juni Begumceased 01/06/2025· 75-100% shares · 75-100% voting · board control
- Mr Sabir Ahmedceased 01/06/2025· 75-100% shares
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.
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|---|---|---|---|---|---|---|---|
| 101 BRADFORD STREET LIMITED→ 12130058 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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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 →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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/01/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 21/11/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 21/11/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 2 properties | 27/03/2023 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 08/11/2021 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 08/11/2021 | — |