PREDICTORY LIMITED
- · Oldest live charge 43.8y old — refinance window within 12 months
Opportunity 55/100 (worth a look), bankability 60/100. Strong seller-intent signal (78/100, director aged 95). Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
12 live charges · 2 lenders · oldest 43.8y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 43.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Recent activity
Corporate timeline (52 events)Click to expand
- 2018-05-08📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2018-05-08🏁Company dissolved
- 2018-02-20📄gazette-notice-voluntarygazette · GAZ1(A)
- 2018-02-13📄dissolution-application-strike-off-companydissolution · DS01
- 2018-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-02-08📄legacycapital · SH20
- 2017-02-08📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2017-02-08⚠️legacyinsolvency · CAP-SS
- 2017-02-08📄resolutionresolution · RESOLUTIONS
- 2017-01-20📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-18📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-09-09📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-11-18📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-09-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-11-18📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-09-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-06-10📄auditors-resignation-companyauditors · AUD
- 2012-11-20📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-09-21📄accounts-with-accounts-type-fullaccounts · AA
- 2011-11-25📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-09-27📄accounts-with-accounts-type-fullaccounts · AA
- 2010-11-18📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2010-11-18📄change-person-secretary-company-with-change-dateofficers · CH03
- 2010-11-18📄change-person-director-company-with-change-dateofficers · CH01
- 2006-03-08🔒Charge registered #12Lender: Hsbc Bank PLC
- 2005-12-31➖PIGHILLS, Charles Howard resigneddirector
- 2005-12-31➖SCOTT, Jason Edwin Russell resigneddirector
- 2005-12-31➖TANKARD, Charles Roger Swift resigneddirector
- 2005-04-08➖CRAWFORD, Jonathan Hugh resigneddirector
- 2004-08-05🔒Charge registered #11Lender: Hsbc Bank PLC
- 2004-02-26🔒Charge registered #10Lender: Hsbc Bank PLC
- 2002-11-11➕BOOTH, Andrew Philip appointeddirector
- 2002-11-11➕CRAWFORD, Jonathan Hugh appointeddirector
- 2002-11-11➕SCOTT, Jason Edwin Russell appointeddirector
- 2000-12-21➖BARKER, Steven Timothy resigneddirector
- 2000-12-21➖HOLROYD, George David resigneddirector
- 1998-02-27➕BOOTH, Andrew Philip appointedsecretary
- 1998-02-27➖SOMERS, Sylvia May resignedsecretary
- 1997-10-10➖MARRIOTT, Richard Frederick resigneddirector
- 1995-10-02➕SOMERS, Sylvia May appointedsecretary
- 1995-09-29➖SCRIVEN, Martin James Wynne resignedsecretary
- 1995-09-29➖SCRIVEN, Martin James Wynne resigneddirector
- 1994-06-16🔒Charge registered #9Lender: Midland Bank PLC
- 1994-06-16🔒Charge registered #8Lender: Midland Bank PLC
- 1994-06-16🔒Charge registered #7Lender: Midland Bank PLC
- 1994-06-16🔒Charge registered #6Lender: Midland Bank PLC
- 1994-06-16🔒Charge registered #5Lender: Midland Bank PLC
- 1993-01-26🔒Charge registered #4Lender: Midland Bank PLC
- 1985-02-22🔒Charge registered #3Lender: Midland Bank PLC
- 1983-07-12🔒Charge registered #2Lender: Midland Bank PLC
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.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 95 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 95 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 57 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
2 high · 1 lowCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2018-05-08
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2017-02-08: legacy
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 John Brian Haggas Individual · British · DOB 05/1931 · age 95 | 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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10 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 (0 active · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 08/03/2006 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 05/08/2004 | — | |
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 26/02/2004 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 16/06/1994 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 16/06/1994 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 16/06/1994 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 16/06/1994 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 16/06/1994 | — | |
| outstanding | Midland Bank Midland Bank PLC | Fixed and floating charge | 1 property | 26/01/1993 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 22/02/1985 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 12/07/1983 | — | |
| outstanding | Midland Bank Midland Bank PLC | Charge | 1 property | 02/08/1982 | — |