ABBEY MILLS LIMITED
🌳Matureactive
01902086 · ltd · incorporated 1985-04-03
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 Jul 2025
Net worth
£792.8k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 75-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 75). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -40% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 41.1y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 41.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
107 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £792,783
Net assets shrinking
Down £257,228 YoY
Cash YoY
-40%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£153k
↓ 40% YoY
Net Worth
£793k
↓ 24% YoY
Current Assets
£155k
↓ 41% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £849.2k | £1.22M |
| Current assets | £154.8k | £260.9k |
| Cash | £152.8k | £252.8k |
| Debtors | £2.0k | £8.2k |
| Net assets | £792.8k | £1.05M |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-06📄change-person-director-company-with-change-dateofficers · CH01
- 2022-01-06📄change-person-director-company-with-change-dateofficers · CH01
- 2022-01-06📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-01-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-01-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-04-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-03-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2005-01-02➕SMITH, Josephine Anne appointeddirector
- 1997-07-22➕SMITH, Josephine Anne appointedsecretary
- 1997-07-22➖RUGMAN, Steven resignedsecretary
- 1997-07-22➖RUGMAN, Steven resigneddirector
- 1994-06-21🔓Charge satisfied #3
- 1994-02-14🔒Charge registered #4Lender: Midland Bank PLC
- 1993-06-11🔒Charge registered #3Lender: Crabtree Continuous Limited
- 1993-06-11🔒Charge registered #2Lender: Midland Bank PLC
- 1992-07-31➖GREEN, Nicholas Paul resignedsecretary
- 1992-07-31➕RUGMAN, Steven appointedsecretary
- 1992-07-31➖GREEN, Nicholas Paul resigneddirector
- 1985-05-09🔒Charge registered #1Lender: Midland Bank PLC
- 1985-04-03🏢Company incorporatedAs ABBEY MILLS LIMITED
Owner dependency
91/100
Critical — business is the founderThe 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.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 75 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
96/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 41 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Josephine Anne Smith Individual · British · DOB 03/1952 · age 74 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 06/04/2016 |
Mr Stephen George Smith Individual · British · DOB 11/1951 · age 75 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · GL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 9 EVESHAM ROAD RESIDENTS RIGHT TO MANAGE COMPANY LIMITED→ 10769608 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 9 PARK PLACE (CHELTENHAM) MANAGEMENT COMPANY LIMITED→ 02831414 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| A.C. AXIOM LTD.→ 04814504 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| AA & CL PRICE LIMITED→ 13500723 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AAFW LIMITED→ 07666071 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AB & NL INVESTMENT LTD→ 14059140 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AB GALLERY LTD→ 12192966 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABACUS FINANCE LIMITED→ 01070785 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| ABACUS MANAGEMENT COMPANY (ROMNEY) LIMITED→ 11714897 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABBEYHOLME STABLES LIMITED→ 13055459 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ABBISEN LTD→ 13828091 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ABBOTT PORTFOLIO LTD→ 16118949 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated1985-04-03
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Chargrove House Main Road
Shurdington
Cheltenham
Gloucestershire
GL51 4GA
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-01-15
Last: 2026-01-01
Officers (3 active · 4 resigned)
SMITH, Josephine Anne→
Activesecretary · appointed 1997-07-22
View their other companies + combined net worth →
SMITH, Josephine Anne→
Activedirector · ~74y · appointed 2005-01-02
View their other companies + combined net worth →
Active
GREEN, Nicholas Paul→
Resignedsecretary · resigned 1992-07-31
RUGMAN, Steven→
Resignedsecretary · appointed 1992-07-31 · resigned 1997-07-22
GREEN, Nicholas Paul→
Resigneddirector · ~65y · resigned 1992-07-31
RUGMAN, Steven→
Resigneddirector · ~66y · resigned 1997-07-22
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
3
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Midland Bank Midland Bank PLC | Charge | 1 property | 14/02/1994 | — | |
| satisfied | Crabtree Continuous Crabtree Continuous Limited | Second charge | 1 property | 11/06/1993 | 21/06/1994 | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 11/06/1993 | — | |
| outstanding | Midland Bank Midland Bank PLC | Fixed and floating charge | 1 property | 09/05/1985 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (107 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-25
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-09
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-06
change-person-director-company-with-change-date
officers · CH01
2022-01-06
change-person-director-company-with-change-date
officers · CH01
2022-01-06
change-person-secretary-company-with-change-date
officers · CH03
2022-01-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-01-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-01-06