ACCESS TO RETAIL LIMITED
- · Oldest live charge 22.6y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
1 live charge · oldest 22.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 22.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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 · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 2 | 200 |
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
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2025-12-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-06-12📄capital-allotment-sharescapital · SH01
- 2019-12-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-12-14📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-10📄change-person-director-company-with-change-dateofficers · CH01
- 2015-11-06📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2003-10-15🔒Charge registered #1Lender: Barclays Bank PLC
- 2000-10-13🏢Company incorporatedAs ACCESS TO RETAIL LIMITED
- 2000-10-13➕RAKUSEN, Philip Daniel appointedsecretary
- 2000-10-13➕RAKUSEN, Hyman Samuel David appointeddirector
- 2000-10-13➕RAKUSEN, Philip Daniel appointeddirector
- 2000-10-13➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2000-10-13➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2000-10-13➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
- 2000-10-13➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-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 26 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 81 — succession pressure is live.
- +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 70+: Senior director is approximately 81 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 26 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 Hyman Samuel David Rakusen Individual · British · DOB 02/1945 · age 81 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/07/2016 |
Mr Philip Daniel Rakusen Individual · British · DOB 09/1976 · age 50 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/07/2016 |
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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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 (3 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 15/10/2003 | — |