ABBEY PANELS LIMITED
Opportunity 77/100 (strong), bankability 77/100. Strong seller-intent signal (78/100, director aged 84). 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 (65/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 24.0y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 24.0 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (74/100)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 · FRS 105 (micro)Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-06-30 |
|---|---|
| Total assets | £-3.69M |
| Net assets | £-3.69M |
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 accounts
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (31 events)Click to expand
- 2026-03-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-01-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-01-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-01-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-01-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-01-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-03-01📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-12-10📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-12-06📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-12-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-11-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-01-21📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-01-21📄change-person-secretary-company-with-change-dateofficers · CH03
- 2016-01-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2004-07-16➖MCMILLAN, Michael resigneddirector
- 2003-10-23🔓Charge satisfied #1
- 2003-04-04🔓Charge satisfied #3
- 2003-04-04🔓Charge satisfied #2
- 2003-02-13🔒Charge registered #3Lender: J F T Law & Co LTD
- 2002-12-20🔒Charge registered #2Lender: J F T Law & Company Limited
- 2002-07-17➕MCMILLAN, Michael appointeddirector
- 2002-07-03➖RICHARDS, Barry resigneddirector
- 2002-05-24🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2002-01-21➖LOADES, Edward resigneddirector
- 2001-09-30➖CAROLAN, John Thomas resigneddirector
- 1998-04-15➕WEAVERS, Stewart Paton appointedsecretary
- 1998-03-01➕RICHARDS, Barry appointeddirector
- 1992-01-14➖FREETH, Graham Richard resignedsecretary
- 1991-10-31➖PERRY, Richard William resigneddirector
- 1952-05-30🏢Company incorporatedAs ABBEY PANELS LIMITED
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 age: Director aged approximately 84 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 74 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Loades Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Loades Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
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.
See pricing →Similar companies
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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 →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 (3 active · 6 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | J F T Law & Co J F T Law & Co LTD | Chattel mortgage | 1 property | 13/02/2003 | 04/04/2003 | |
| satisfied | J F T Law & Company J F T Law & Company Limited | Chattel mortgage | 2 properties | 20/12/2002 | 04/04/2003 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 24/05/2002 | 23/10/2003 |