ALBA BUSINESS CATERING LIMITED
- · Oldest live charge 19.6y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 19.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 19.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
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 | 2025-06-28 | 2024-06-28 |
|---|---|---|
| Average employees | 7100 | 7700 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 accounts
Corporate timeline (27 events)Click to expand
- 2026-02-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-03📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-12-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-12-12🔓Charge satisfied #1
- 2024-01-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-12📄accounts-with-accounts-type-smallaccounts · AA
- 2020-03-04📄accounts-with-accounts-type-smallaccounts · AA
- 2018-11-14📄accounts-with-accounts-type-smallaccounts · AA
- 2018-08-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-08-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-02-08📄accounts-with-accounts-type-smallaccounts · AA
- 2012-10-31➖HALL, Gary Donald resigneddirector
- 2007-01-04🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2003-12-23➕HARRISON, Nicola appointeddirector
- 1998-06-09➕HARRISON, Simon Brian appointedsecretary
- 1998-06-09➕HARRISON, Simon Brian appointeddirector
- 1998-06-09➕HALL, Gary Donald appointeddirector
- 1998-06-03➖DAVIES, Margaret Michelle resignednominee-secretary
- 1998-06-03➖PIKE, Pamela resignednominee-director
- 1998-04-22🏢Company incorporatedAs ALBA BUSINESS CATERING LIMITED
- 1998-04-22➕DAVIES, Margaret Michelle appointednominee-secretary
- 1998-04-22➕PIKE, Pamela appointednominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 28 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Simon Brian Harrison Individual · British · DOB 05/1962 · age 64 | 25–50% | — | 25-50% shares | 01/06/2016 |
Mrs Nicola Harrison Individual · British · DOB 07/1963 · age 63 | 25–50% | — | 25-50% shares | 06/04/2016 |
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 · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 04/01/2007 | 12/12/2024 |