AVSCO LTD
Opportunity 66/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
11 live charges · 8 lenders · oldest 5.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.1 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)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.
Key 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 | 2025-02-28 | 2024-02-29 |
|---|
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
- • 3 mortgage
- • 1 confirmation-statement
- • 3 mortgage
- • 1 confirmation-statement
Corporate timeline (39 events)Click to expand
- 2026-03-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-30🔓Charge satisfied #3
- 2026-03-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-02🔓Charge satisfied #5
- 2026-02-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-03🔓Charge satisfied #2
- 2025-11-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-20🔓Charge satisfied #1
- 2025-05-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-03-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-03-05🔒Charge registered #11Lender: The Mortgage Works (UK) PLC
- 2025-03-05🔒Charge registered #10Lender: Together Commercial Finance Limited
- 2025-03-05🔓Charge satisfied #10
- 2024-11-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-17🔒Charge registered #9Lender: Paragon Bank PLC
- 2024-10-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-11🔓Charge satisfied #6
- 2023-12-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-29🔒Charge registered #8Lender: The Mortgage Works (UK) PLC
- 2023-09-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-26🔒Charge registered #7Lender: Kensington Mortgage Company Limited
- 2023-03-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-03🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2022-05-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-05🔒Charge registered #5Lender: The Mortgage Lender Limited
- 2021-09-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-26🔒Charge registered #4Lender: Lendinvest Btl Limited
- 2021-05-28🔒Charge registered #3Lender: Aldermore Bank PLC
- 2021-04-02🔒Charge registered #2Lender: Lendinvest Btl Limited
- 2021-03-25🔒Charge registered #1Lender: The Mortgages Works UK PLC
- 2020-02-28🏢Company incorporatedAs AVSCO LTD
- 2020-02-28➕AHMAD, Adeel appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Adeel Ahmad Individual · British · DOB 01/1988 · age 38 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 28/02/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 2 properties | 05/03/2025 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 05/03/2025 | 05/03/2025 | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 17/10/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 29/11/2023 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 26/06/2023 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 03/03/2023 | 11/03/2024 | |
| satisfied | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 05/05/2022 | 02/03/2026 | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 26/08/2021 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 28/05/2021 | 30/03/2026 | |
| satisfied | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 02/04/2021 | 03/02/2026 | |
| satisfied | The Mortgages Works UK The Mortgages Works UK PLC | A registered charge | 1 property | 25/03/2021 | 20/08/2025 |