445 HOLDINGS LIMITED
- · Oldest live charge 5.1y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 5.1y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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 | 2024-06-30 | 2023-06-30 |
|---|---|---|
| Total assets | £1.10M | £1.09M |
| Current assets | £9.0k | £2 |
| Cash | £9.0k | — |
| Debtors | £2 | £2 |
| Net assets | £124.2k | £74.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (13 events)Click to expand
- 2025-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-26📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2021-08-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-06🔒Charge registered #2Lender: Barclays Bank PLC
- 2021-04-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-04-28🔒Charge registered #1Lender: Barclays Bank PLC
- 2021-04-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-03-10🏢Company incorporatedAs 445 HOLDINGS LIMITED
- 2021-03-10➕SMITH, Stuart John appointeddirector
- 2021-03-10➕SMITH, Zoe Ann appointeddirector
- 2021-03-10📄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 5 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 Stuart John Smith Individual · British · DOB 10/1972 · age 54 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/03/2021 |
Mrs Zoe Ann Smith Individual · British · DOB 10/1972 · age 54 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/03/2021 |
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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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 | Barclays Barclays Bank PLC | A registered charge | 1 property | 06/08/2021 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 28/04/2021 | — |