AGE UK TORBAY
- · Oldest live charge 20.1y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (63/100, director aged 76). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
1 live charge · oldest 20.1y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 20.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — clean.
Data confidence
Overall: low (47/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 accounts
Corporate timeline (99 events)Click to expand
- 2025-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-01➖SHAW, Kevin Neil resigneddirector
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-25➕BAKER, Scarlett Emily appointeddirector
- 2024-04-25➕BARNARD, Christina Jane, Ms. appointeddirector
- 2024-04-25➕PERRY, Drew Adam appointeddirector
- 2024-04-25➖LYTTLE, Jacqueline Susan resigneddirector
- 2024-04-11📄memorandum-articlesincorporation · MA
- 2024-04-11📄resolutionresolution · RESOLUTIONS
- 2024-04-09📄statement-of-companys-objectschange-of-constitution · CC04
- 2023-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-06-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-12➕PINNEGAR, Catherine appointeddirector
- 2022-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-01➖HOWOURTH, Rachael resigneddirector
- 2022-01-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-07📄memorandum-articlesincorporation · MA
- 2021-11-09📄memorandum-articlesincorporation · MA
- 2021-11-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-08-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-08➖STEWART, Samantha Jane resigneddirector
- 2020-10-15➕SHAW, Kevin Neil appointeddirector
- 2020-04-01➖POWELL, Alan resigneddirector
- 2019-08-06➖SHAW, Kevin Neil resigneddirector
- 2018-11-05➖HODGE, John resigneddirector
- 2018-11-05➕HOWOURTH, Rachael appointeddirector
- 2017-08-08➖WOODALL, Steven resigneddirector
- 2017-07-07➕ROEBUCK, Faye appointeddirector
- 2017-07-07➕POWELL, Alan appointeddirector
- 2017-01-28🔓Charge satisfied #1
- 2016-11-24➖NICHOLSON, Luisa Maria resigneddirector
- 2016-08-03➖SHAW, Kevin Neil resigneddirector
- 2016-07-01➖PIKE, Peter John resigneddirector
- 2016-02-02➕SHAW, Kevin Neil appointeddirector
- 2016-02-02➕STEWART, Samantha Jane appointeddirector
- 2015-11-16➕SHAW, Kevin Neil appointeddirector
- 2015-11-12➖WOODALL, Marie resigneddirector
- 2015-07-01➕HARMAN, Helen Jane appointedsecretary
- 2015-06-30➖BRETT, Richard John resignedsecretary
- 2015-06-06➖BRADFORD, Philip John resigneddirector
- 2014-11-21➕HODGE, John appointeddirector
- 2013-11-12➕LYTTLE, Jacqueline Susan appointeddirector
- 2013-08-01➖SARA, Michael Edward resigneddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 76 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
Red flags
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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 (6 active · 35 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | The Charity Bank The Charity Bank Limited | Legal charge | 1 property | 26/04/2006 | 28/01/2017 |