ALFORD AND FORD LIMITED
- · Oldest live charge 35.9y old — refinance window within 12 months
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 74). 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
2 live charges · 2 lenders · oldest 35.9y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 35.9 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: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £1.22M | £1.03M |
| Current assets | £1.82M | £1.68M |
| Cash | £834.2k | £680.7k |
| Debtors | £825.6k | £780.8k |
| Net assets | £1.22M | £1.03M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
- • 3 persons-with-significant-control
- • 2 capital
- • 2 resolution
Corporate timeline (27 events)Click to expand
- 2026-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-31📄capital-allotment-sharescapital · SH01
- 2026-01-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-01-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-01-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-01-13📄capital-alter-shares-subdivisioncapital · SH02
- 2026-01-13📄resolutionresolution · RESOLUTIONS
- 2026-01-13📄resolutionresolution · RESOLUTIONS
- 2026-01-13📄memorandum-articlesincorporation · MA
- 2026-01-13📄memorandum-articlesincorporation · MA
- 2025-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-17📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2024-04-30📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-11-22🔓Charge satisfied #1
- 2021-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-21➕ALFORD, Gary James, Mr. appointeddirector
- 2018-03-21➕ALFORD, Scott Antony, Mr. appointeddirector
- 2018-03-21➕TAYLOR, Natalie appointeddirector
- 2015-07-31➖FORD, Loraine resignedsecretary
- 2015-07-31➖FORD, Peter Edward resigneddirector
- 2001-06-21🔒Charge registered #2Lender: The Mayor & Commonalty & Citizens of the City of London
- 1990-07-02🔒Charge registered #1Lender: National Westminster Bank PLC
- 1984-03-01🏢Company incorporatedAs ALFORD AND FORD LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "ALFORD" — strong identity link between founder and business.
- +Founder age: Director aged approximately 74 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
- secondaryStable-but-static management: Company is 42 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanGroup structure
3 corporate shareholders identified. Group structure is distributed.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
4 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Sk Alford Ltd Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/01/2026 |
Lpd Alford Ltd Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/01/2026 |
Ntst Ltd Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/01/2026 |
Mr David William Alford Individual · British · DOB 01/1952 · age 74 | — | — | sig. influencesignificant influence | 06/04/2016 |
1 historic (ceased) PSC
- Mr David William Alfordceased 21/03/2018· 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.
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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 (4 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mayor & Commonalty & Citizens of the City of London | Rent deposit deed | 1 property | 21/06/2001 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 02/07/1990 | 22/11/2022 |