ALBANY CAPITAL LIMITED

🌳Matureactive
01192886 · ltd · incorporated 1974-12-06
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
🔔
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What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
Pursue
Active trading company with a 78-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 77/100. Strong seller-intent signal (78/100, director aged 78). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

7 live charges · 4 lenders · oldest 51.3y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 51.3 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 7 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
128 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£953k£1.9m£2.9m£3.8m£4.8mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Cash—£2.09M
Net assets—£4.76M
Average employees200—

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
  1. 2025-12-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2023-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-04-04
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  6. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-02-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2021-11-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-11-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-01-02
    📄
    accounts-with-accounts-type-group
    accounts · AA
  13. 2017-08-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2017-07-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2016-12-31
    📄
    accounts-with-accounts-type-group
    accounts · AA
  16. 2016-08-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2016-04-01
    ➕
    PENTECOST, Zona Mary appointed
    director
  18. 2015-09-18
    🔓
    Charge satisfied #7
  19. 2015-09-18
    🔓
    Charge satisfied #5
  20. 2015-09-18
    🔓
    Charge satisfied #3
  21. 2015-09-18
    🔓
    Charge satisfied #2
  22. 2015-07-31
    ➕
    PENTECOST, Zona appointed
    secretary
  23. 2015-07-31
    ➖
    CHANDLER, Peter resigned
    secretary
  24. 2012-04-04
    🔓
    Charge satisfied #4
  25. 2012-03-09
    🔒
    Charge registered #7
    Lender: Hsbc Bank PLC
  26. 2012-02-29
    🔓
    Charge satisfied #1
  27. 2008-11-27
    🔓
    Charge satisfied #6
  28. 2008-03-31
    ➖
    BARNES, Nicholas Brian resigned
    director
  29. 2008-03-31
    ➖
    RALPH, Andrew Keith resigned
    director
  30. 2008-03-31
    ➖
    SANDALL, Martin Keith resigned
    director
  31. 2008-01-25
    🔒
    Charge registered #6
    Lender: Hsbc Bank PLC
  32. 2007-09-10
    ➕
    RALPH, Andrew Keith appointed
    director
  33. 2007-04-01
    ➖
    PEPPER, Shawn resigned
    director
  34. 2004-07-30
    🔒
    Charge registered #5
    Lender: Hsbc Bank PLC
  35. 2002-05-01
    ➕
    CHANDLER, Peter appointed
    secretary
  36. 2002-04-30
    ➖
    PILCHER, Anthony Richard resigned
    secretary
  37. 2002-04-30
    ➖
    PILCHER, Anthony Richard resigned
    director
  38. 2000-08-01
    ➕
    BARNES, Nicholas Brian appointed
    director
  39. 2000-08-01
    ➕
    PEPPER, Shawn appointed
    director
  40. 2000-08-01
    ➕
    SANDALL, Martin Keith appointed
    director
  41. 1992-02-18
    🔒
    Charge registered #4
    Lender: Forward Trust Limited
  42. 1985-02-19
    🔒
    Charge registered #3
    Lender: Midland Bank PLC
  43. 1983-09-02
    🔒
    Charge registered #2
    Lender: Midland Bank PLC
  44. 1975-04-16
    🔒
    Charge registered #1
    Lender: Midland Bank LTD
  45. 1974-12-06
    🏢
    Company incorporated
    As ALBANY CAPITAL LIMITED

Owner dependency

81/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +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

81/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 78 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 52 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 ·
Charge satisfaction-then-recreation pattern
medium

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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Albert Jeremy Simon Pentecost
Individual · British · DOB 10/1948 · age 78
—75–100%board control75-100% voting · board control30/06/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒Advanced scoring suite

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

Statusactive
Typeltd
Incorporated1974-12-06
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects

Registered office

The Manor House
Bishopsbourne
Canterbury
Kent
CT4 5JB
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-09
Last: 2025-07-26

Officers (3 active · 7 resigned)

PENTECOST, Zona→
secretary · appointed 2015-07-31
View their other companies + combined net worth →
Active
PENTECOST, Albert Jeremy Simon→
director · ~78y
View their other companies + combined net worth →
Active
PENTECOST, Zona Mary→
director · ~72y · appointed 2016-04-01
View their other companies + combined net worth →
Active
CHANDLER, Peter→
secretary · appointed 2002-05-01 · resigned 2015-07-31
Resigned
PILCHER, Anthony Richard→
secretary · resigned 2002-04-30
Resigned
BARNES, Nicholas Brian→
director · ~68y · appointed 2000-08-01 · resigned 2008-03-31
Resigned
PEPPER, Shawn→
director · ~59y · appointed 2000-08-01 · resigned 2007-04-01
Resigned
PILCHER, Anthony Richard→
director · ~96y · resigned 2002-04-30
Resigned
RALPH, Andrew Keith→
director · ~56y · appointed 2007-09-10 · resigned 2008-03-31
Resigned
SANDALL, Martin Keith→
director · ~56y · appointed 2000-08-01 · resigned 2008-03-31
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

7
Total charges
0
Outstanding
0
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
satisfied
HSBC
Hsbc Bank PLC
Legal charge1 property09/03/201218/09/2015
satisfied
HSBC
Hsbc Bank PLC
Legal mortgage1 property25/01/200827/11/2008
satisfied
HSBC
Hsbc Bank PLC
Legal mortgage1 property30/07/200418/09/2015
satisfied
Forward Trust
Forward Trust Limited
Chattels mortgage1 property18/02/199204/04/2012
satisfied
Midland Bank
Midland Bank PLC
Legal charge1 property19/02/198518/09/2015
satisfied
Midland Bank
Midland Bank PLC
Legal charge1 property02/09/198318/09/2015
satisfied
Midland Bank
Midland Bank LTD
Floating charge1 property16/04/197529/02/2012

Recent filings (128 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-26
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2023-04-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-02-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-23
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-12