A.F.REGINIANO LIMITED
- · Oldest live charge 34.2y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (78/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 34.2y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 34.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 |
|---|---|
| Profit before tax | £3.28M |
| Average employees | 300 |
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 officers
- • 2 mortgage
- • 1 officers
- • 2 mortgage
- • 1 officers
Corporate timeline (24 events)Click to expand
- 2026-07-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-07-13➕REGINIANO, Andrew Ashley appointeddirector
- 2026-06-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-06-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-06-23🔓Charge satisfied #2
- 2026-06-23🔓Charge satisfied #1
- 2025-12-18📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-02🔓Charge satisfied #3
- 2024-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-02➖REGINIANO, Rudolph Jack Paul Alfred resignedsecretary
- 2021-03-02📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-05-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2011-11-14🔒Charge registered #3Lender: National Westminster Bank PLC
- 1995-04-12🔒Charge registered #2Lender: Barclays Bank PLC
- 1992-05-07🔒Charge registered #1Lender: Barclays Bank PLC
- 1961-02-16🏢Company incorporatedAs A.F.REGINIANO LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Founder name in company name: Company name contains director surname "REGINIANO" — strong identity link between founder and business.
- +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
No meaningful acquirability indicators from public data.
- primaryFamily succession underway: Not a takeover target — REGINIANO, Andrew Ashley (same surname) appointed 2026-07-13. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
Red flags
1 med ·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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Rudolph Jack Paul Alfred Reginiano Individual · British · DOB 02/1949 · age 77 | 50–75% | — | 50-75% 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.
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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 · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 14/11/2011 | 02/09/2024 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 12/04/1995 | 23/06/2026 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 07/05/1992 | 23/06/2026 |