ALL COUNTIES FINANCE LIMITED
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 25.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 25.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (59/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (34 events)Click to expand
- 2026-04-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-04-01📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-05-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-05-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-08-03📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-09-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-09-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-09-26📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-09-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-06📄accounts-with-accounts-type-fullaccounts · AA
- 2016-10-11📄accounts-with-accounts-type-fullaccounts · AA
- 2015-10-09📄accounts-with-accounts-type-fullaccounts · AA
- 2015-07-30📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-04-24📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2014-12-01➕ANGUS, Stephen appointedsecretary
- 2014-07-31➖MIDDLETON, Robert George resignedsecretary
- 2012-12-20🔒Charge registered #3Lender: Bank of Scotland PLC
- 2007-06-28➖BELL, Martin Thomas resignedsecretary
- 2007-06-28➕MIDDLETON, Robert George appointedsecretary
- 2001-04-05➕BELL, Martin Thomas appointedsecretary
- 2001-04-05➖HUMPHREYS, David John resignedsecretary
- 2001-04-05➖HUMPHREYS, David John resigneddirector
- 2001-01-19🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2001-01-10🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 2000-03-30➖HOPE, Trevor Thomas resigneddirector
- 1998-02-27➖MCNULTY, Stephen Michael resigneddirector
- 1996-11-14➕FOTHERGILL, John Donald Read appointeddirector
- 1996-11-14➖FOTHERGILL, John Christopher Read resigneddirector
- 1996-11-14➕MCNULTY, Stephen Michael appointeddirector
- 1996-06-30➖PATTISON, John Richard resigneddirector
- 1996-04-30➕HOPE, Trevor Thomas appointeddirector
- 1994-08-31➕PATTISON, John Richard appointeddirector
- 1993-03-31➖APPLEBY, Denis resigneddirector
- 1980-08-18🏢Company incorporatedAs ALL COUNTIES FINANCE LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 46 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Donald Read Fothergill Individual · British · DOB 04/1961 · age 65 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 15/07/2016 |
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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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 (2 active · 9 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Debenture | 1 property | 20/12/2012 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Supplemental deed (supplemental to a composite guarantee and debenture dated 17TH november 2000) | 1 property | 19/01/2001 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Subordination deed | 1 property | 10/01/2001 | — |