ALBANY FINANCE CO.LIMITED(THE)
Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (73/100, director aged 83). 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
5 live charges · 3 lenders · oldest 28.1y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 28.1 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: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 · FRS 102| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Average employees | 300 | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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 officers
- • 2 persons-with-significant-control
- • 1 address
Corporate timeline (32 events)Click to expand
- 2026-04-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2026-04-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2026-04-06📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-04-06📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-06📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-11-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-11-27🔓Charge satisfied #5
- 2021-11-27🔓Charge satisfied #4
- 2021-08-14📄accounts-with-accounts-type-audited-abridgedaccounts · AA
- 2020-12-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-12-08📄mortgage-charge-part-both-with-charge-numbermortgage · MR05
- 2020-12-08🔓Charge satisfied #3
- 2020-09-22📄accounts-with-accounts-type-audited-abridgedaccounts · AA
- 2019-09-03📄accounts-with-accounts-type-smallaccounts · AA
- 2013-09-20🔓Charge satisfied #2
- 2013-09-20🔓Charge satisfied #1
- 2013-09-16🔒Charge registered #5Lender: Lloyds Tsb Bank PLC
- 2013-09-16🔒Charge registered #4Lender: Lloyds Tsb Bank PLC
- 2013-09-16🔒Charge registered #3Lender: Lloyds Tsb Bank PLC
- 2008-06-02🔒Charge registered #2Lender: Hsbc Bank PLC
- 2005-08-02➕PHILIPSON, Avril Elizabeth appointedsecretary
- 2005-08-02➖TOLLEY, David Rex resignedsecretary
- 2003-04-01➕PHILIPSON, Daniel James, Mr. appointeddirector
- 2002-06-17➖BRINDLEY, Vera Marjorie resigneddirector
- 1998-06-10🔒Charge registered #1Lender: Midland Bank PLC
- 1954-10-26🏢Company incorporatedAs ALBANY FINANCE CO.LIMITED(THE)
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 83 — 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 83 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 72 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
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
2 corporate shareholders identified. Group structure is distributed.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Dba Finance Ltd Corporate entity | 25–50% | — | 25-50% shares | 26/08/2016 |
Wyken Finance Ltd Corporate entity | 25–50% | — | 25-50% shares | 26/08/2016 |
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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|---|---|---|---|---|---|---|---|
| 5YED LTD→ 10488504 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 616 LIVING LTD→ 12040000 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 7 POT RED LTD→ 12661155 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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| 76 WHEELEYS ROAD MANAGEMENT LTD→ 12328000 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 786 PROPERTY AND INVESTMENTS LIMITED→ 16869011 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 7E DEVELOPMENT LTD→ 12491712 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| 7NAM LTD→ 16584386 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 8 GSP LTD→ 15418002 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 825 INVESTMENTS LTD→ 15605770 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 829 ASSET LIMITED→ 16137574 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 857 PROPERTIES LIMITED→ 15563969 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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 (4 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A registered charge | 1 property | 16/09/2013 | 27/11/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A registered charge | 1 property | 16/09/2013 | 27/11/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A registered charge | 2 properties | 16/09/2013 | 08/12/2020 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 2 properties | 02/06/2008 | 20/09/2013 | |
| satisfied | Midland Bank Midland Bank PLC | Debenture | 1 property | 10/06/1998 | 20/09/2013 |