AGARWAL ASSOCIATES LIMITED
- 62020Information technology consultancy activities
- 62090Other information technology service activities
Opportunity 77/100 (strong), bankability 57/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
6 live charges · 5 lenders · oldest 26.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 26.5 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)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 · FRS 105 (micro)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 105 (micro)| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £584.9k | £628.7k |
| Current assets | £72.6k | £74.1k |
| Net assets | £108.1k | £131.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
Corporate timeline (23 events)Click to expand
- 2025-07-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-28📄capital-allotment-sharescapital · SH01
- 2022-09-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-07-19📄memorandum-articlesincorporation · MA
- 2022-05-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-07-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-31📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2008-09-16🔓Charge satisfied #2
- 2008-09-16🔓Charge satisfied #1
- 2008-05-06🔒Charge registered #6Lender: Judith Marianne Ford
- 2008-05-06🔒Charge registered #5Lender: Alok Agarwal
- 2008-05-06🔒Charge registered #4Lender: Suresh Chandra Agarwal
- 2008-05-06🔒Charge registered #3Lender: Penelope Zoe Ford Agarwal
- 1999-12-09🔒Charge registered #2Lender: Northern Rock PLC
- 1999-12-09🔒Charge registered #1Lender: Northern Rock PLC
- 1986-10-30🏢Company incorporatedAs AGARWAL ASSOCIATES 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.
- +Founder name in company name: Company name contains director surname "AGARWAL" — strong identity link between founder and business.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +No director turnover: Company is 40 years old with no director changes — suggests a very tight-knit founder team never broadened.
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.
- secondaryStable-but-static management: Company is 40 years old and no new directors in the last 3 years — succession not yet being planned internally.
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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alok Agarwal Individual · British · DOB 07/1961 · age 65 | 25–50% | — | 25-50% shares | 06/04/2016 |
1 historic (ceased) PSC
- Network Computer Houseceased 15/09/2022· 25-50% shares
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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Judith Marianne Ford | Legal charge | 1 property | 06/05/2008 | — | |
| outstanding | Alok Agarwal | Legal charge | 1 property | 06/05/2008 | — | |
| outstanding | Suresh Chandra Agarwal | Legal charge | 1 property | 06/05/2008 | — | |
| outstanding | Penelope Zoe Ford Agarwal | Legal charge | 1 property | 06/05/2008 | — | |
| satisfied | Northern Rock Northern Rock PLC | Legal charge | 1 property | 09/12/1999 | 16/09/2008 | |
| satisfied | Northern Rock Northern Rock PLC | Mortgage debenture | 1 property | 09/12/1999 | 16/09/2008 |