AIB (K) LIMITED
- · Oldest live charge 24.0y old — refinance window within 12 months
- 99999SIC 99999
Opportunity 60/100 (worth a look), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
1 live charge · oldest 24.0y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 24.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £400 | £400 |
| Debtors | £400 | £400 |
| Net assets | £400 | £400 |
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
- • 4 officers
- • 2 address
- • 2 persons-with-significant-control
- • 4 officers
- • 2 address
- • 2 persons-with-significant-control
Corporate timeline (42 events)Click to expand
- 2026-04-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-04-07📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-04-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-04-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-04-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-04-01➕CALLANDER, Alistair Alexander appointeddirector
- 2026-04-01➕PHILLIPS, Stuart Duncan appointeddirector
- 2026-04-01➖FARROW, Stephen resignedsecretary
- 2026-04-01➖HENDERSON, Joseph Edgar resigneddirector
- 2026-02-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-09-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-04🔓Charge satisfied #1
- 2025-08-21✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-10📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2020-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-29📄capital-name-of-class-of-sharescapital · SH08
- 2002-07-31➖GIBSON, John Frederick resigneddirector
- 2002-07-31➖KETTLEWELL, Graham Barry resigneddirector
- 2002-07-31➖PORTER, Jennifer Mary resigneddirector
- 2002-07-31➖PRESTON, Steven resigneddirector
- 2002-07-31➖WRIGHT, Michael Charles resigneddirector
- 2002-05-02➕FARROW, Stephen appointedsecretary
- 2002-05-02➖PORTER, Jennifer Mary resignedsecretary
- 2002-05-01🔒Charge registered #1Lender: National Westminster Bank PLC
- 2000-02-25➖WILSON, Paul resigneddirector
- 2000-02-01➕GIBSON, John Frederick appointeddirector
- 2000-02-01➕KETTLEWELL, Graham Barry appointeddirector
- 2000-02-01➕PORTER, Jennifer Mary appointeddirector
- 2000-02-01➕PRESTON, Steven appointeddirector
- 2000-02-01➕WILSON, Paul appointeddirector
- 2000-02-01➕WRIGHT, Michael Charles appointeddirector
- 1996-11-28➖FLETCHER, Andrew Richard resignedsecretary
- 1995-06-30➕PORTER, Jennifer Mary appointedsecretary
- 1988-02-23🏢Company incorporatedAs AIB (K) LIMITED
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 high · 2 med · 1 lowAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-05-10
Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: FARROW, Stephen resigned 2026-04-01; HENDERSON, Joseph Edgar resigned 2026-04-01
Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-08-21: certificate-change-of-name-company
Multiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Advice Champion.Co.Uk Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Advice Champion.Co.Uk Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/04/2026 |
1 historic (ceased) PSC
- Mr Joseph Edgar Hendersonceased 01/04/2026· 75-100% 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.
See pricing →Similar companies
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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 (2 active · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 01/05/2002 | 04/09/2025 |