ALFA TRUSTEES LIMITED

🌳Matureactive

02826804 · ltd · incorporated 1993-06-14

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

—

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: SIC 99999

Sector: Extraterritorial bodies

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 76/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 31 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

109 live charges · 29 lenders · oldest 31.7y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 31.7 years old — likely at or near maturity.
· 29 lenders named — inter-creditor friction likely.
· Legal-friction score 55/100 (high).

Data confidence

Overall: medium (79/100)

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

Lenders & charges

109 charges (109/109 with lender, 109/109 with type)

Directors & officers

37 officers (7 active, 37 linked, 8 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

5 connected companies via shared directors

Filing history

272 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-06-30	2024-06-30
Average employees	300	300

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (200 events)Click to expand

2025-12-10
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-03-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-24
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-20
🔒
Charge registered #110
Lender: Htuk Investment Aps
2024-12-16
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-02-06
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-06
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-03-07
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-03
🔒
Charge registered #109
Lender: Charles Street Commercial Investments Limited
2023-02-01
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-02-02
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-07-07
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-07-05
🔒
Charge registered #108
Lender: Hsbc Bank UK PLC
2021-07-01
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-07-01
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-30
🔒
Charge registered #107
Lender: Lloyds Bank PLC
2021-06-30
🔒
Charge registered #106
Lender: Lloyds Bank PLC
2021-05-26
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-05-24
🔒
Charge registered #105
Lender: Jordan International Bank PLC
2021-05-06
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-05-04
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2021-04-30
➖
PEARCE, Paula resigned
secretary
2021-04-30
➖
PEARCE, Paula resigned
director
2021-01-06
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-09-03
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-08-27
🔒
Charge registered #104
Lender: Handelsbanken PLC
2019-07-19
📄
accounts-with-accounts-type-dormant
accounts · AA
2017-12-29
🔒
Charge registered #103
Lender: Hsbc Bank PLC
2017-12-21
➕
PEARCE, Paula appointed
director
2017-11-24
➕
PEARCE, Paula appointed
secretary
2017-07-24
🔒
Charge registered #102
Lender: Hsbc Bank PLC
2017-07-21
🔒
Charge registered #101
Lender: Hsbc Bank PLC
2017-07-21
🔒
Charge registered #100
Lender: Hsbc Bank PLC
2017-07-21
🔒
Charge registered #99
Lender: Hsbc Bank PLC
2017-06-07
🔒
Charge registered #98
Lender: Hsbc Bank PLC
2017-03-29
🔒
Charge registered #97
Lender: Mge Kemp (Properties) Limited
2017-03-24
🔒
Charge registered #96
Lender: Svenska Handelsbanken Ab (Publ)
2017-03-24
🔒
Charge registered #95
Lender: Svenska Handelsbanken Ab (Publ)
2017-03-24
🔒
Charge registered #94
Lender: Svenska Handelsbanken Ab (Publ)
2017-01-26
🔒
Charge registered #87
Lender: National Westminster Bank PLC
2016-06-13
➕
BAYNES, Gillian Catherine appointed
director
2016-06-13
➕
@SIPP LIMITED appointed
corporate-director
2016-06-13
➖
EATON, Debby resigned
secretary
2016-06-13
➖
BAYNES, Gillian Catherine resigned
director
2016-06-13
➖
BAYNES, Paul Frederick resigned
director
2016-03-11
🔒
Charge registered #93
Lender: National Westminster Bank PLC
2016-03-11
🔒
Charge registered #92
Lender: National Westminster Bank PLC
2016-03-11
🔒
Charge registered #91
Lender: National Westminster Bank PLC
2016-03-11
🔒
Charge registered #90
Lender: National Westminster Bank PLC
2016-03-11
🔒
Charge registered #89
Lender: National Westminster Bank PLC

Showing most recent 50 of 200 events

Owner dependency

73/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "LIMITED" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 16 years.
secondaryStable-but-static management: Company is 33 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 · 1 low

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

104 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

@Sipp Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

@Sipp Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

ALFA TRUSTEES LIMITED

This company · 02826804

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
@Sipp Limited Corporate entity	75–100%	—	board control75-100% shares · board control	13/06/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

Similar companies

Active · Other · SS postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
1ST RESPONSE TOOL HIRE LIMITED→ 04532600 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
AAL MANAGEMENT LTD→ 10426255 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
ACME FIRE PROTECTION LTD→ 16436035 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AEP CLEANING SERVICES LIMITED→ 11807095 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
AFFINITY FINANCIAL GROUP LIMITED→ 12716156 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
AFFORDABLE COLOUR PRINT LTD→ 09422823 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
AGK PACKAGING LTD→ 14698349 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
AKACH PROPERTIES LTD→ 15934044 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ALCON HEALTH LTD→ 11747956 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
ALEXANDER BRIAN ROUSE LTD→ 14050108 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
ALLARD MANAGEMENT LLP→ OC382253 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
ALLIANCE BIRMINGHAM LIMITED→ 02439179 · est 1989 · no financials extracted	—	—	—	—	36y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

🔒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

Incorporated1993-06-14

Jurisdictionengland-wales

Primary SIC99999 — SIC 99999

Registered office

Endway House Endway House

Endway

Hadleigh

Essex

SS7 2AN

England

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-04-22

Last: 2026-04-08