ANNIE THOMAS LTD
Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -41% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 3.4y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.4 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £74.0k | £78.6k |
| Cash | £688 | £1.2k |
| Net assets | £-11.7k | £-13.3k |
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
Corporate timeline (8 events)Click to expand
- 2025-08-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-10🔒Charge registered #1Lender: Paragon Bank PLC
- 2022-11-02🏢Company incorporatedAs ANNIE THOMAS LTD
- 2022-11-02➕KOTTUPPALLIL, Thomas appointeddirector
- 2022-11-02➕THOMAS, Anniamma appointeddirector
- 2022-11-02📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "THOMAS" — strong identity link between founder and business.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- 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 |
|---|---|---|---|---|
Mrs Anniamma Thomas Individual · British · DOB 04/1959 · age 67 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 02/11/2022 |
Mr Thomas Kottuppallil Individual · British · DOB 07/1958 · age 68 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 02/11/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 | Paragon Paragon Bank PLC | A registered charge | 1 property | 10/02/2023 | — |