ALFRED G PEARCE LIMITED
Opportunity 74/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
Refinance opportunity
25 live charges · 7 lenders · oldest 49.4y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 49.4 years old — likely at or near maturity.
- · 7 lenders named — inter-creditor friction likely.
- · Legal-friction score 53/100 (high).
Data confidence
Overall: medium (76/100)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 | 2025-06-28 |
|---|---|
| Profit before tax | £-70.1k |
| Average employees | 83 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
5 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
- • 2 officers
- • 1 confirmation-statement
- • 5 officers
- • 1 confirmation-statement
- • 5 officers
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (91 events)Click to expand
- 2026-07-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-06-30➖PEARCE, Simon James Robert resigneddirector
- 2026-06-29📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2026-06-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-06-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-06-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-01➕BECKETT, Philip Jonathan appointeddirector
- 2026-04-01➕THOMAS, Dominic appointeddirector
- 2026-04-01➕WINKWORTH, Jennifer appointeddirector
- 2026-03-31📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-06-19📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-01-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-06🔒Charge registered #25Lender: Hsbc UK Bank PLC
- 2025-01-06🔒Charge registered #24Lender: Hsbc UK Bank PLC
- 2025-01-06🔒Charge registered #23Lender: Hsbc UK Bank PLC
- 2025-01-06🔒Charge registered #22Lender: Hsbc UK Bank PLC
- 2025-01-06🔒Charge registered #21Lender: Hsbc UK Bank PLC
- 2024-11-21📄resolutionresolution · RESOLUTIONS
- 2024-11-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-10-29➕HARROD, Mark Anthony appointeddirector
- 2024-10-29➕WALLER, James Graham appointeddirector
- 2024-10-29➕WILSON, Hayley appointeddirector
- 2024-10-29➖PEARCE, Anna Victoria resigneddirector
- 2024-10-29➖PEARCE, Lucy Elizabeth resigneddirector
- 2024-10-29➖PEARCE, Lyn Louise resigneddirector
- 2024-10-29➖PEARCE, Vanessa Mary resigneddirector
- 2024-10-29➖RICHARDSON, Sophie Rachel resigneddirector
- 2024-07-25🔒Charge registered #20Lender: Hsbc UK Bank PLC
- 2024-07-20🔓Charge satisfied #17
- 2024-07-20🔓Charge satisfied #16
- 2024-07-20🔓Charge satisfied #15
- 2024-07-20🔓Charge satisfied #14
- 2024-07-20🔓Charge satisfied #13
- 2024-07-20🔓Charge satisfied #12
- 2024-06-26🔒Charge registered #19Lender: Hsbc Invoice Finance (UK) Limited
- 2024-06-19🔒Charge registered #18Lender: Hsbc UK Bank PLC
- 2021-03-11➕PEARCE, Anna Victoria appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -8 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "PEARCE" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Fenmarc Holdings 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 |
|---|---|---|---|---|
Fenmarc Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 29/10/2024 |
3 historic (ceased) PSCs
- Mr Adrian John Nurse (Trustee)ceased 29/10/2024· 25-50% shares · 25-50% voting
- Mr Nigel Peter Ingleton (Trustee)ceased 29/10/2024· 25-50% shares · 25-50% voting
- Mills & Reeve Trust Corporation Limitedceased 29/10/2024· 75-100% shares · 75-100% voting
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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9 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 (8 active · 11 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 06/01/2025 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 06/01/2025 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 06/01/2025 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 06/01/2025 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | — | 06/01/2025 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 25/07/2024 | — | |
| outstanding | HSBC Hsbc Invoice Finance (UK) Limited | A registered charge | — | 26/06/2024 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 19/06/2024 | — | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 17/07/2013 | 20/07/2024 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 17/07/2013 | 20/07/2024 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 17/07/2013 | 20/07/2024 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 17/07/2013 | 20/07/2024 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 17/07/2013 | 20/07/2024 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 17/07/2013 | 20/07/2024 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Debenture | 1 property | 22/08/2011 | 13/08/2013 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Legal charge | 1 property | 11/08/2011 | 13/08/2013 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Legal charge | 1 property | 11/08/2011 | 13/08/2013 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Legal charge | 1 property | 11/08/2011 | 13/08/2013 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Legal charge | 1 property | 11/08/2011 | 13/08/2013 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 15/11/2007 | 08/03/2013 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 19/11/2004 | 08/03/2013 | |
| satisfied | Lloyds Banking Group Lloyds Bowmaker Limited | Fixed charge | 1 property | 29/06/1999 | 13/08/2009 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Debenture | 1 property | 02/05/1984 | 08/03/2013 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 2 properties | 27/01/1983 | 08/03/2013 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 24/02/1977 | 13/08/2009 |