A.CHANDLER (NORFOLK) LIMITED
- · Oldest live charge 38.3y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (73/100, director aged 76). 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 38.3y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 38.3 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 (78/100)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.
Key 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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 400 | 700 |
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
Corporate timeline (24 events)Click to expand
- 2025-07-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-09📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-09📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-09📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-09📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-07-27📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2012-10-08➕CHANDLER, Louise Elizabeth Anne appointeddirector
- 2008-04-12🔓Charge satisfied #2
- 2008-04-12🔓Charge satisfied #1
- 2008-03-19🔒Charge registered #3Lender: Hsbc Bank PLC
- 2005-12-01➕CHANDLER, Benjamin Alan appointeddirector
- 1992-02-06🔒Charge registered #2Lender: Lloyds Bank PLC
- 1988-02-04🔒Charge registered #1Lender: Lloyds Bank PLC
- 1986-07-23🏢Company incorporatedAs A.CHANDLER (NORFOLK) LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "CHANDLER" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 76 — succession pressure is live.
- +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 70+: Senior director is approximately 76 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 40 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 |
|---|---|---|---|---|
John William Chandler Individual · British · DOB 05/1950 · age 76 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Benjamin Alan Chandler Individual · British · DOB 02/1978 · age 48 | 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.
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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 (5 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 19/03/2008 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Single debenture | 1 property | 06/02/1992 | 12/04/2008 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 04/02/1988 | 12/04/2008 |