ADA & SOMERVILLE LTD
Opportunity 71/100 (strong), bankability 52/100. 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
4 live charges · 3 lenders · oldest 1.2y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.2 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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 105 (micro)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 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £9.1k | £-80 |
| Current assets | £759 | £1.6k |
| Net assets | £9.1k | £-80 |
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 mortgage
- • 1 mortgage
- • 2 mortgage
- • 1 confirmation-statement
Corporate timeline (15 events)Click to expand
- 2026-07-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-07-02🔒Charge registered #4Lender: Bank of Scotland PLC Birmingham Midshires Division
- 2026-02-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-09🔒Charge registered #3Lender: Punjab National Bank (International) Limited
- 2025-11-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-06-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-22🔒Charge registered #2Lender: Kensington Mortgage Company Limited
- 2025-05-22🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2024-05-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-06-15➕BRACKEN, Keith Alastair appointeddirector
- 2023-03-07🏢Company incorporatedAs ADA & SOMERVILLE LTD
- 2023-03-07➕CHAHAL, Kirandeep appointeddirector
- 2023-03-07📄incorporation-companyincorporation · NEWINC
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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 |
|---|---|---|---|---|
Miss Kirandeep Chahal Individual · British · DOB 04/1977 · age 49 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 07/03/2023 |
Mr Keith Alastair Bracken Individual · British · DOB 05/1979 · age 47 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 07/03/2023 |
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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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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC Birmingham Midshires Division | A registered charge | 1 property | 02/07/2026 | — | |
| outstanding | Punjab National Bank (International) Punjab National Bank (International) Limited | A registered charge | 1 property | 09/02/2026 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 22/05/2025 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 22/05/2025 | — |