ABBEY COMMERCIAL INVESTMENTS LIMITED

🌳Matureactive
00442441 · ltd · incorporated 1947-09-19
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
Upgrade to see
Turnover
not disclosed
Net worth
book net assets
Opportunity
62/100
Worth a look
🔔
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 62/100 (worth a look), bankability 37/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

66 live charges · 19 lenders · oldest 73.3y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 73.3 years old — likely at or near maturity.
  • · 19 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: medium (61/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
66 charges (66/66 with lender, 66/66 with type)
90
Directors & officers
11 officers (3 active, 11 linked, 10 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
23 connected companies via shared directors
90
Filing history
229 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
62/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
45
Concerning — overdue filings or status flags present.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
45
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
3
filings
  • 3 mortgage
Last 180 days
6
filings
  • 3 mortgage
  • 2 address
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (151 events)Click to expand
  1. 2026-04-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-04-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2026-04-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2026-03-31
    🔒
    Charge registered #66
    Lender: Lazari Finance 2 Limited
  5. 2026-03-31
    🔒
    Charge registered #65
    Lender: Lazari Finance Limited
  6. 2026-03-31
    🔒
    Charge registered #64
    Lender: Lazari Finance Limited
  7. 2026-02-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2026-01-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2025-06-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2025-06-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  11. 2025-06-02
    📄
    accounts-with-accounts-type-group
    accounts · AA
  12. 2024-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2024-09-19
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2024-09-19
    🔓
    Charge satisfied #60
  15. 2024-05-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2024-01-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2024-01-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2024-01-19
    🔒
    Charge registered #63
    Lender: Cynergy Bank Limited
  19. 2024-01-19
    🔒
    Charge registered #62
    Lender: Cynergy Bank Limited
  20. 2023-07-28
    📄
    accounts-with-accounts-type-group
    accounts · AA
  21. 2023-07-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2023-07-14
    🔒
    Charge registered #61
    Lender: Jonathan Dryden Foord as Security Trustee
  23. 2022-10-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2022-10-24
    🔒
    Charge registered #60
    Lender: Lloyds Bank PLC
  25. 2022-09-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  26. 2022-06-30
    📄
    accounts-with-accounts-type-group
    accounts · AA
  27. 2022-04-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  28. 2022-04-12
    🔒
    Charge registered #59
    Lender: Arbuthnot Latham & Co., Limited
  29. 2021-10-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  30. 2021-07-31
    GRAY, Colin Andrew appointed
    director
  31. 2021-07-30
    GRAY, Colin Andrew resigned
    director
  32. 2021-03-24
    🔓
    Charge satisfied #58
  33. 2021-03-24
    🔓
    Charge satisfied #49
  34. 2020-06-01
    GRAY, Colin Andrew appointed
    director
  35. 2020-04-22
    FOORD, Brian Dryden resigned
    director
  36. 2020-04-22
    FOORD, Jonathan Dryden resigned
    director
  37. 2019-05-30
    🔒
    Charge registered #58
    Lender: Lloyds Bank PLC (As Security Trustee)
  38. 2019-03-12
    🔓
    Charge satisfied #43
  39. 2019-03-12
    🔓
    Charge satisfied #42
  40. 2019-03-12
    🔓
    Charge satisfied #39
  41. 2019-03-12
    🔓
    Charge satisfied #37
  42. 2019-03-12
    🔓
    Charge satisfied #17
  43. 2019-02-28
    🔒
    Charge registered #57
    Lender: Lloyds Bank PLC (As Security Agent)
  44. 2018-05-09
    🔓
    Charge satisfied #40
  45. 2018-05-09
    🔓
    Charge satisfied #38
  46. 2018-05-09
    🔓
    Charge satisfied #36
  47. 2018-05-09
    🔓
    Charge satisfied #35
  48. 2018-05-09
    🔓
    Charge satisfied #23
  49. 2018-05-09
    🔓
    Charge satisfied #14
  50. 2018-05-04
    🔓
    Charge satisfied #54
Showing most recent 50 of 151 events

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 78 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

78/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 20 years.
  • secondaryStable-but-static management: Company is 79 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high · 2 med · 2 low
Accounts overdue
high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2026-03-31

3 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-03-31: A registered charge; 2026-03-31: A registered charge; 2026-03-31: A registered charge

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.

17 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

Libraco Acquisition Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Libraco Acquisition Limited
Corporate parent · holds 75-100% shares
ultimate parent
ABBEY COMMERCIAL INVESTMENTS LIMITED
This company · 00442441

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Libraco Acquisition Limited
Corporate entity
75100%
75–100%75-100% shares · 75-100% voting · firm interest22/04/2020
1 historic (ceased) PSC
  • Strategic Resources Ltdceased 22/04/2020· 25-50% shares · 25-50% voting

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

11 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
Incorporated1947-09-19
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

7 St. Marys Hill
Stamford
PE9 2DP
England

Filing status

Accounts
Next due: 2026-03-31OVERDUE
Last made up to: 2024-06-30
Confirmation statement
Next due: 2027-03-23
Last: 2026-03-09

Officers (3 active · 8 resigned)

DUCE, Alexander John Charles
director · ~46y · appointed 2010-11-26
View their other companies + combined net worth →
Active
DUCE, Roland John Bernard
director · ~78y · appointed 2006-11-06
View their other companies + combined net worth →
Active
GRAY, Colin Andrew
director · ~69y · appointed 2021-07-31
View their other companies + combined net worth →
Active
WHITE, Peter John
secretary · resigned 2009-09-07
Resigned
DUCE, Roland John Bernard
director · ~78y · appointed 1997-03-17 · resigned 1999-01-13
Resigned
FOORD, Brian Dryden
director · ~88y · resigned 2020-04-22
Resigned
FOORD, Jonathan Dryden
director · ~59y · appointed 2010-11-26 · resigned 2020-04-22
Resigned
FOORD, Peter John
director · ~100y · resigned 2013-10-21
Resigned
GRAY, Colin Andrew
director · ~69y · appointed 2020-06-01 · resigned 2021-07-30
Resigned
VAN DER BORGH, Nicholas
director · ~84y · appointed 2008-07-01 · resigned 2017-07-20
Resigned
WHITE, Peter John
director · ~98y · resigned 2009-09-07
Resigned

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

Mortgages & charges

66
Total charges
17
Outstanding
6
Active lenders
Status:Lender:66 of 66 shown
TypeProperties
outstanding
Lazari Finance 2
Lazari Finance 2 Limited
A registered charge31/03/2026
outstanding
Lazari Finance
Lazari Finance Limited
A registered charge31/03/2026
outstanding
Lazari Finance
Lazari Finance Limited
A registered charge31/03/2026
outstanding
Cynergy Bank
Cynergy Bank Limited
A registered charge19/01/2024
outstanding
Cynergy Bank
Cynergy Bank Limited
A registered charge1 property19/01/2024
outstanding
Jonathan Dryden Foord as Security Trustee
A registered charge1 property14/07/2023
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge2 properties24/10/202219/09/2024
outstanding
Arbuthnot Latham & Co.,
Arbuthnot Latham & Co., Limited
A registered charge12/04/2022
satisfied
Lloyds Banking Group
Lloyds Bank PLC (As Security Trustee)
A registered charge2 properties30/05/201924/03/2021
part-satisfied
Lloyds Banking Group
Lloyds Bank PLC (As Security Agent)
A registered charge3 properties28/02/2019
outstanding
Arbuthnot Latham & Co.,
Arbuthnot Latham & Co., Limited
A registered charge26/04/2018
outstanding
Arbuthnot Latham & Co.,
Arbuthnot Latham & Co., Limited
A registered charge26/04/2018
satisfied
Santander
Santander UK PLC as Security Trustee for Itself and Each of Its Subsidiaries from Time to Time
A registered charge1 property04/12/201304/05/2018
satisfied
Santander
Santander UK PLC as Security Trustee for Itself and Each of Its Subsidiaries from Time to Time
A registered charge1 property04/12/201304/05/2018
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Assignment of spomsor loans1 property19/10/2012
satisfied
Burt Bros. (Hosiery)
Burt Bros. (Hosiery) Limited
Legal charge2 properties24/09/201228/06/2017
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Deed of admission to an omnibus guarantee and set-off agreement dated 02 july 2002 and1 property25/01/2012
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Standard security1 property03/07/200924/03/2021
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Deed of admission to an omnibus guarantee and set-off agreement1 property19/01/2007
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property28/04/200626/06/2016
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
A deed of admission to an omnibus guarantee and set-off agreement dated 2ND july 2002 and1 property26/04/2006
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
A deed of admission to an omnibus guarantee and set-off agreement dated 2ND july 2002 and1 property02/06/2005
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
A deed of admission to an omnibus guarantee and set-off agreement dated 13 june 20021 property03/06/2004
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property30/08/200212/03/2019
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property09/07/200212/03/2019
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property09/07/200230/06/2017
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property09/07/200209/05/2018
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property09/07/200212/03/2019
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property09/07/200209/05/2018
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property09/07/200212/03/2019
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Debenture1 property02/07/200209/05/2018
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property03/01/200109/05/2018
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property09/02/199817/05/2000
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property09/02/199806/07/2006
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property09/02/199806/07/2006
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property09/02/199806/07/2006
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property09/02/199806/07/2006
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property09/02/199822/08/2002
satisfied
3I
3I PLC
Mortgage1 property30/09/199701/04/1999
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Corporate guarantee1 property06/10/199317/04/2014
satisfied
Lombard North Central
Lombard North Central PLC
Legal charge1 property09/12/199206/07/2006
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property13/07/199221/05/2009
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property05/08/198817/04/2014
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal charge1 property08/02/198809/05/2018
satisfied
Investors in Industry .
Investors in Industry PLC.
Mortgage1 property11/07/198603/01/1997
satisfied
Investors in Industry .
Investors in Industry PLC.
Mortgage1 property11/07/198606/07/2006
satisfied
Investors in Industry .
Investors in Industry PLC.
Mortgage1 property11/07/198606/07/2006
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Equitable charge by memorandum of deposit1 property04/04/198621/05/2009
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property27/02/198621/05/2009
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property27/02/198612/03/2019
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property27/02/198606/07/2006
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property27/02/198606/01/1998
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property27/02/198609/05/2018
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property27/02/198621/05/2009
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property27/02/198621/05/2009
satisfied
Investors in Industry .
Investors in Industry PLC.
Mortgage1 property17/01/198613/10/1986
satisfied
Investors in Industry .
Investors in Industry PLC.
Mortgage1 property17/01/198613/10/1986
satisfied
Investors in Industry
Investors in Industry PLC
Mortgage1 property01/11/198513/10/1986
satisfied
Investors in Industry
Investors in Industry PLC
Mortgage1 property01/11/198513/10/1986
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property29/10/198205/05/1994
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Legal charge registered pursuant to an order of court dated 14/7/811 property24/02/1981
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property17/06/197421/05/2009
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Charge1 property04/05/196521/05/2009
satisfied
Industrial & Commercial Finance Corp. .
Industrial & Commercial Finance Corp. LTD.
Mortgage1 property21/01/196006/07/2006
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal charge1 property15/07/195921/05/2009
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Charge by way of a legal mortgage1 property13/03/195321/05/2009
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (229 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-29
change-person-director-company-with-change-date
officers · CH01
2025-06-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-06-26
accounts-with-accounts-type-group
accounts · AA
2025-06-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-29
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-26