ANDUITY LIMITED
🌿Early-stageactive
14029557 · ltd · incorporated 2022-04-06
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 75/100. 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 (73/100).
🏦
Refinance opportunity
2 live charges · oldest 4.0y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.0 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
2 charges (2/2 with lender, 2/2 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
10 connected companies via shared directors
75
Filing history
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
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 · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 2 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Last 180 days
3
filings
- • 1 confirmation-statement
- • 1 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2026-07-02📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-27🔒Charge registered #2Lender: Barclays Security Trustee Limited
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-07🔓Charge satisfied #1
- 2022-08-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-03🔒Charge registered #1Lender: Barclays Security Trustee Limited
- 2022-07-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-10📄capital-allotment-sharescapital · SH01
- 2022-04-08📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2022-04-06🏢Company incorporatedAs ANDUITY LIMITED
- 2022-04-06➕VITHLANI, Bharat appointeddirector
- 2022-04-06➕VITHLANI, Mona appointeddirector
- 2022-04-06📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2022-04-06📄incorporation-companyincorporation · NEWINC
Owner dependency
74/100
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.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- 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 |
|---|---|---|---|---|
Mr Bharat Vithlani Individual · British · DOB 02/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2022 |
Mona Vithlani Individual · British · DOB 01/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2022 |
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 →Similar companies
Active · Holding company · HP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALBION HOUSE (DUNSTON RIVERSIDE) MANAGEMENT NO 2 LIMITED→ 04930329 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| ALBUM HOLDINGS LIMITED→ 15785140 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALLEN ASSETS LTD→ 12944501 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AMBER (CHERRY TREES) MANAGEMENT COMPANY LIMITED→ 05626620 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| AMBLESIDE AVENUE MANAGEMENT COMPANY LIMITED→ 07635780 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AMERSHAM WG HOLDINGS LTD→ 15986825 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| APS ACCOUNTANCY HOLDINGS LIMITED→ 03541655 · est 1998 · no financials extracted | — | — | — | — | 28y | — | — |
| AQUA RESIDENTS LIMITED→ 10251338 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ARCHER BIDCO LIMITED→ 11964222 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ARDEN FIELDS MANAGEMENT COMPANY LIMITED→ 09318939 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ARGYLE COURT RTE COMPANY LTD→ 05302520 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ARIES MANAGEMENT LIMITED→ 06831551 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2022-04-06
Jurisdictionengland-wales
Primary SIC64209 — Activities of other holding companies n.e.c.
Registered office
The Pines
20 Daws Hill Lane
High Wycombe
Buckinghamshire
HP11 1PW
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-07-14
Last: 2026-06-30
Officers (2 active · 0 resigned)
VITHLANI, Bharat→
Activedirector · ~63y · appointed 2022-04-06
View their other companies + combined net worth →
VITHLANI, Mona→
Activedirector · ~57y · appointed 2022-04-06
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 27/04/2024 | — | |
| satisfied | Barclays Barclays Security Trustee Limited | A registered charge | — | 03/08/2022 | 07/02/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (17 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-07-02
change-person-director-company-with-change-date
officers · CH01
2026-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-02
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-07-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-06
capital-allotment-shares
capital · SH01
2022-06-10
change-account-reference-date-company-current-shortened
accounts · AA01
2022-04-08