SOWMYAA LIMITED

🌳Matureactive
SC485846 · ltd · incorporated 2014-09-03
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 11.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Retail sale in non-specialised stores with food, beverages or tobacco predominating
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 73/100 (strong), bankability 65/100. 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

9 live charges · 2 lenders · oldest 11.5y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 11.5 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · 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.

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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
38 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£68k£137k£205k£273k£342kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-09-302023-09-30
Total assets—£960.7k
Current assets—£341.8k
Net assets—£324.1k
Average employees2100—

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2025-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-09-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2023-09-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2023-09-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2023-09-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2023-09-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2023-09-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2023-09-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2023-09-15
    🔓
    Charge satisfied #5
  11. 2023-09-15
    🔓
    Charge satisfied #4
  12. 2023-09-15
    🔓
    Charge satisfied #2
  13. 2023-09-15
    🔓
    Charge satisfied #1
  14. 2023-09-01
    🔒
    Charge registered #9
    Lender: Barclays Security Trustee Limited
  15. 2023-09-01
    🔒
    Charge registered #8
    Lender: Barclays Security Trustee Limited
  16. 2023-09-01
    🔒
    Charge registered #7
    Lender: Barclays Security Trustee Limited
  17. 2023-08-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2023-08-06
    🔒
    Charge registered #6
    Lender: Barclays Security Trustee Limited
  19. 2023-07-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2022-07-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2021-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2020-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2019-11-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  24. 2019-11-29
    🔓
    Charge satisfied #3
  25. 2019-11-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  26. 2019-11-20
    🔒
    Charge registered #5
    Lender: Clydesdale Bank PLC
  27. 2019-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  28. 2018-07-17
    🔒
    Charge registered #4
    Lender: Clydesdale Bank PLC
  29. 2017-03-17
    🔒
    Charge registered #3
    Lender: Clydesdale Bank PLC
  30. 2014-11-26
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  31. 2014-11-20
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC
  32. 2014-09-03
    🏢
    Company incorporated
    As SOWMYAA LIMITED
  33. 2014-09-03
    ➕
    VELAGA, Pramod Munshi appointed
    director
  34. 2014-09-03
    ➕
    VELAGA, Sowmya appointed
    director

Owner dependency

71/100
High — earn-out structure required

Material 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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

41/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Sowmya Velaga
Individual · British · DOB 07/1984 · age 42
——sig. influencesignificant influence01/07/2016

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 →

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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.

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Company details

Statusactive
Typeltd
Incorporated2014-09-03
Jurisdictionscotland
Primary SIC47110 — Retail sale in non-specialised stores with food, beverages or tobacco predominating

Registered office

17-19 Burns Statue Square
Ayr
KA7 1SU

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-26
Last: 2025-09-12

Officers (2 active · 0 resigned)

VELAGA, Pramod Munshi→
director · ~47y · appointed 2014-09-03
View their other companies + combined net worth →
Active
VELAGA, Sowmya→
director · ~42y · appointed 2014-09-03
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

9
Total charges
4
Outstanding
1
Active lenders
Status:Lender:9 of 9 shown
TypeProperties
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property01/09/2023—
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property01/09/2023—
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property01/09/2023—
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge—06/08/2023—
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge1 property20/11/201915/09/2023
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge1 property17/07/201815/09/2023
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge1 property17/03/201729/11/2019
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge1 property26/11/201415/09/2023
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge—20/11/201415/09/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (38 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-28
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-15
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-15
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-15
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-06