ABBEYLORD PROPERTIES LIMITED
- · Live charges: 106 → 108
Picture worsened over the last 30 days — 1 negative signal vs 0 positive.
- ↓Live charges: 106 → 108
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (70/100, director aged 63). Biggest value-creation lever: Consolidate lender relationships. 13 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
108 live charges · 12 lenders · oldest 28.8y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 28.8 years old — likely at or near maturity.
- · 12 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)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
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 |
|---|---|
| Average employees | 19 |
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
- • 2 mortgage
- • 3 mortgage
- • 1 accounts
- • 1 confirmation-statement
- • 4 mortgage
- • 2 accounts
- • 1 confirmation-statement
Corporate timeline (193 events)Click to expand
- 2026-07-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-07-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-07-02🔒Charge registered #108Lender: Christina Helena Suzanne Phillips
- 2026-07-02🔒Charge registered #107Lender: Christina Helena Suzanne Phillips
- 2026-06-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-05-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-12🔒Charge registered #106Lender: Handelsbanken PLC
- 2026-03-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2026-02-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-03🔒Charge registered #105Lender: Handelsbanken PLC
- 2025-11-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-12🔒Charge registered #104Lender: Handelsbanken PLC
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-19🔒Charge registered #103Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #102Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #101Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #100Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #99Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #98Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #97Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #96Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #95Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #94Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #93Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #92Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #91Lender: Handelsbanken PLC
- 2025-09-19🔒Charge registered #90Lender: Handelsbanken PLC
- 2025-06-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-02🔒Charge registered #89Lender: Christina Helena Suzanne Phillips
- 2025-06-02🔒Charge registered #88Lender: Christina Helena Suzanne Phillips
- 2025-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-09🔒Charge registered #87Lender: Investec Bank PLC
- 2025-05-09🔒Charge registered #86Lender: Investec Bank PLC
- 2025-05-09🔒Charge registered #85Lender: Investec Bank PLC
- 2025-05-09🔒Charge registered #84Lender: Investec Bank PLC
- 2025-05-09🔒Charge registered #83Lender: Investec Bank PLC
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.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 31 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
2 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-07-02: A registered charge; 2026-07-02: A registered charge; 2026-05-12: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Andrew Phillips Individual · British · DOB 05/1963 · age 63 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 28/04/2017 |
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 · 9 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Christina Helena Suzanne Phillips / Leonard Phillips | A registered charge | 2 properties | 02/07/2026 | — | |
| outstanding | Christina Helena Suzanne Phillips / Leonard Phillips | A registered charge | 1 property | 02/07/2026 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 12/05/2026 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 03/02/2026 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 12/11/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | Christina Helena Suzanne Phillips / Leonard Phillips | A registered charge | 1 property | 02/06/2025 | — | |
| outstanding | Christina Helena Suzanne Phillips / Leonard Phillips | A registered charge | 2 properties | 02/06/2025 | — | |
| outstanding | Investec Bank Investec Bank PLC | A registered charge | 3 properties | 09/05/2025 | — | |
| outstanding | Investec Bank Investec Bank PLC | A registered charge | — | 09/05/2025 | — | |
| outstanding | Investec Bank Investec Bank PLC | A registered charge | 3 properties | 09/05/2025 | — | |
| outstanding | Investec Bank Investec Bank PLC | A registered charge | — | 09/05/2025 | — | |
| outstanding | Investec Bank Investec Bank PLC | A registered charge | — | 09/05/2025 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | — | 07/04/2025 | — | |
| satisfied | Union Bancaire Privee, Ubp Sa | A registered charge | — | 25/11/2024 | 02/04/2025 | |
| satisfied | Union Bancaire Privee, Ubp Sa | A registered charge | — | 21/11/2024 | 02/04/2025 | |
| satisfied | Union Bancaire Privee, Ubp Sa | A registered charge | — | 21/11/2024 | 02/04/2025 | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 02/01/2024 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 24/07/2023 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 11/07/2023 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 11/11/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 2 properties | 01/11/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 2 properties | 01/11/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 17/01/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 11/11/2021 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 16/06/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 14/08/2020 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 22/02/2019 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 22/02/2019 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | A registered charge | 1 property | 09/04/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 18/02/2016 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 02/06/2015 | 23/03/2021 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Legal charge | 1 property | 30/04/2008 | 09/06/2015 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Debenture | 1 property | 30/04/2008 | 09/06/2015 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 05/02/2004 | 09/06/2015 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 25/09/2002 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 23/09/2002 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 05/09/2002 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 30/08/2002 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 24/05/2002 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 24/05/2002 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 13/12/2001 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 25/09/2001 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 21/11/2000 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 21/11/2000 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 25/09/2000 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 08/08/2000 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 01/08/2000 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 01/08/2000 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 17/05/2000 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 08/05/2000 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 08/11/1999 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 27/10/1999 | 10/03/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 18/08/1999 | 10/03/2004 | |
| satisfied | Dawhurst Properties Dawhurst Properties Limited | Legal charge | 2 properties | 03/11/1998 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 2 properties | 29/06/1998 | 25/01/2006 | |
| satisfied | Dawhurst Properties Dawhurst Properties Limited | Legal charge | 1 property | 19/02/1998 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 16/01/1998 | 13/02/2004 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank and the company and michael andrew phillips charging for the company by virtue of a resolution dated 13 june 1997 | 1 property | 04/11/1997 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank the company and michael andrew phillips charging as trustee for the company by virtue of a resolution dated 23RD september 1997 | 1 property | 26/09/1997 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank the company and michael andrew phillips charging as trustee for the company by virtue of a resolution dated 25TH september 1997 and the mortgage | 1 property | 26/09/1997 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank the company and michael andrew phillips charging as trustee for the company by virtue of a resolution dated 23RD september 1997 | 1 property | 26/09/1997 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank the company and michael andrew phillips charging as trustee for the company by virtue of a resolution dated 23RD september 1997 | 1 property | 26/09/1997 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank the company and michael andrew phillips charging as trustee for the company by virtue of a resolution dated 25TH september 1997 and the mortgage | 1 property | 26/09/1997 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank the company and michael andrew phillips charging as trustee for the company by virtue of a resolution dated 23RD september 1997 | 1 property | 26/09/1997 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank the company and michael andrew phillips charging as trustee for the company by virtue of a resolution dated 23RD september 1997 | 1 property | 26/09/1997 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank the company and michael andrew phillips charging as trustee for the company by virtue of a resolution dated 23RD september 1997 | 1 property | 26/09/1997 | 25/01/2006 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage between the bank the company and michael andrew phillips charging as trustee for the company by virtue of a resolution dated 23RD september 1997 | 1 property | 26/09/1997 | 25/01/2006 |