SEVERN UNIVAL LIMITED
Opportunity 73/100 (strong), bankability 77/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
14 live charges · 8 lenders · oldest 42.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 42.3 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)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
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 |
|---|---|
| Total assets | £100.0k |
| Current assets | £100.0k |
| Net assets | £100.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (77 events)Click to expand
- 2025-05-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-21📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-07-21📄legacyaccounts · PARENT_ACC
- 2024-07-21📄legacyother · AGREEMENT2
- 2024-07-21📄legacyother · GUARANTEE2
- 2024-07-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-07-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-06-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-05-21📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2024-05-20📍change-sail-address-company-with-new-addressaddress · AD02
- 2024-04-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-17🔓Charge satisfied #14
- 2023-11-03📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-11-03📄legacyaccounts · PARENT_ACC
- 2023-11-03📄legacyother · AGREEMENT2
- 2023-11-03📄legacyother · GUARANTEE2
- 2023-07-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-24➕CHOKRA, Akhil appointeddirector
- 2023-07-24➖CAPELL, Matthew resigneddirector
- 2022-11-03📄accounts-with-accounts-type-fullaccounts · AA
- 2022-09-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-30➖BRENNAN, David resigneddirector
- 2022-07-27➖LOUHILUOTO, Perttu Kim resigneddirector
- 2022-07-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-06-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-11-15🔒Charge registered #14Lender: Prudential Trustee Company Limited as Security Agent for Itself and Each of the Secured Parties
- 2021-11-15🔓Charge satisfied #13
- 2021-10-19➕LOUHILUOTO, Perttu Kim appointeddirector
- 2021-05-11➖FINDLAY, Colin Archibald resigneddirector
- 2020-12-23🔓Charge satisfied #12
- 2020-12-23🔓Charge satisfied #11
- 2020-12-22🔒Charge registered #13Lender: National Westminster Bank PLC as Security Agent for Itself and Each of the Secured Parties
- 2020-02-04🔓Charge satisfied #10
- 2020-02-04🔓Charge satisfied #9
- 2020-02-04🔓Charge satisfied #8
- 2020-02-04🔓Charge satisfied #7
- 2020-02-04🔓Charge satisfied #6
- 2019-12-20➖CRITCHLEY, Maurice Mortimer resignedsecretary
- 2019-12-20➕BRENNAN, David appointeddirector
- 2019-12-20➕CAPELL, Matthew appointeddirector
- 2019-12-20➖CRITCHLEY, Maurice Mortimer resigneddirector
- 2019-12-20➖POWELL, Christopher Charles resigneddirector
- 2019-12-20🔒Charge registered #12Lender: Lloyds Bank PLC
- 2019-12-20🔒Charge registered #11Lender: Lloyds Bank PLC
- 2019-03-28🔒Charge registered #10Lender: Real Property International Limited
- 2014-07-11🔒Charge registered #9Lender: Lloyds Bank PLC
- 2014-05-15🔒Charge registered #8Lender: Lloyds Bank PLC
- 2012-12-20🔓Charge satisfied #5
- 2012-12-20🔓Charge satisfied #4
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Contour Technologies 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 |
|---|---|---|---|---|
Contour Technologies Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/10/2021 |
2 historic (ceased) PSCs
- Severn Glocon Global Limitedceased 19/10/2021· 75-100% shares · 75-100% voting · board control
- Severn Glocon Limitedceased 20/12/2019· 75-100% shares · 75-100% voting · board control · significant influence · firm interest
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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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 →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 (1 active · 14 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Prudential Trustee Company as Security Agent for Itself and Each of the Secured Parties Prudential Trustee Company Limited as Security Agent for Itself and Each of the Secured Parties | A registered charge | 1 property | 15/11/2021 | 17/04/2024 | |
| satisfied | National Westminster Bank as Security Agent for Itself and Each of the Secured Parties National Westminster Bank PLC as Security Agent for Itself and Each of the Secured Parties | A registered charge | 1 property | 22/12/2020 | 15/11/2021 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 20/12/2019 | 23/12/2020 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 20/12/2019 | 23/12/2020 | |
| satisfied | Real Property International Real Property International Limited | A registered charge | 3 properties | 28/03/2019 | 04/02/2020 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 11/07/2014 | 04/02/2020 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 15/05/2014 | 04/02/2020 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | An omnibus guarantee and set-off agreement | 1 property | 17/12/2012 | 04/02/2020 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 17/12/2012 | 04/02/2020 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee & debenture | 1 property | 09/08/2010 | 20/12/2012 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee and debenture | 1 property | 16/03/1998 | 20/12/2012 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 09/09/1994 | 24/11/1998 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Single debenture | 1 property | 21/06/1989 | 12/11/1997 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Debenture | 1 property | 10/02/1984 | 25/05/1989 |