ALAN TUER LIMITED
- · Oldest live charge 35.6y old — refinance window within 12 months
- 42220SIC 42220
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (80/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 35.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 35.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £4.18M | £3.28M |
| Current assets | £1.39M | £1.03M |
| Debtors | £1.04M | £676.0k |
| Net assets | £2.88M | £2.39M |
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 accounts
Corporate timeline (27 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-01-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-01-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-11-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-31📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-08-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-12-23📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2005-11-19🔓Charge satisfied #2
- 2005-07-28🔓Charge satisfied #1
- 2005-02-24🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland
- 2004-12-31➕FOSTER, Stephanie Jane appointedsecretary
- 2004-12-31➕FOSTER, Michael Thomas appointeddirector
- 2004-12-31➖TUER, Ann Irving resignedsecretary
- 2004-12-31➖TUER, Ann Irving resigneddirector
- 1999-11-10🔒Charge registered #2Lender: National Westminster Bank PLC
- 1998-10-04➕FOSTER, Stephanie Jane appointeddirector
- 1998-10-04➖TUER, Alan resigneddirector
- 1990-11-20🔒Charge registered #1Lender: National Westminster Bank PLC
- 1979-01-02🏢Company incorporatedAs ALAN TUER LIMITED
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 28 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
- +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 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 47 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.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Stephanie Jane Foster Individual · British · DOB 12/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/12/2016 |
Mr Michael Thomas Foster Individual · British · DOB 05/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/12/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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6 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 · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 24/02/2005 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 10/11/1999 | 19/11/2005 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 20/11/1990 | 28/07/2005 |