28 LOW STREET LIMITED
- · Oldest live charge 37.4y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (63/100).
Refinance opportunity
1 live charge · oldest 37.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 37.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · 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 | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 800 | 800 |
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (31 events)Click to expand
- 2026-01-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-17📄capital-name-of-class-of-sharescapital · SH08
- 2023-04-17📄memorandum-articlesincorporation · MA
- 2023-04-17📄resolutionresolution · RESOLUTIONS
- 2023-02-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-04-14📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-04-14📄change-person-director-company-with-change-dateofficers · CH01
- 2021-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-12📄change-person-director-company-with-change-dateofficers · CH01
- 2019-11-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-10-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-28➕COUPE, Leah Elizabeth appointeddirector
- 2019-06-28➕SANDERS, Sarah Elizabeth appointeddirector
- 2019-06-28➖EVERATT-HALL, Susan Jane resigneddirector
- 2010-05-11➖HALL, Christopher Ian resignedsecretary
- 2004-01-02➕HALL, Christopher Ian appointedsecretary
- 2004-01-02➖HALL, Robert Keith resignedsecretary
- 1998-12-04➖BORDUN, Stephen John resigneddirector
- 1998-12-04➖BORDUN, Susan resigneddirector
- 1998-12-04➖SIMPSON, Barry Anthony resigneddirector
- 1998-12-03➕MILLER, Erica Marie appointeddirector
- 1998-12-03➕EVERATT-HALL, Susan Jane appointeddirector
- 1993-02-12➕BORDUN, Susan appointeddirector
- 1989-01-09🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1987-10-20🏢Company incorporatedAs 28 LOW STREET LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 39 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Erica Marie Miller Individual · British · DOB 07/1970 · age 56 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/06/2016 |
1 historic (ceased) PSC
- Mrs Sue Everatt Hallceased 28/06/2019· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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6 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 (3 active · 6 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 09/01/1989 | — |