A1 COMMERCIAL VALETING LIMITED
- · Oldest live charge 23.9y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. 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: share sale to pe / searcher (58/100).
Refinance opportunity
1 live charge · oldest 23.9y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 23.9 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 (77/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2025-01-30 | 2024-01-30 |
|---|---|---|
| Total assets | £62.8k | — |
| Current assets | £57.8k | — |
| Cash | £46.8k | — |
| Debtors | £9.2k | — |
| Net assets | £44.4k | — |
| Average employees | — | 200 |
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
- • 2 officers
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 2 officers
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Corporate timeline (31 events)Click to expand
- 2026-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-29📄change-person-director-company-with-change-dateofficers · CH01
- 2019-01-29📄change-person-director-company-with-change-dateofficers · CH01
- 2019-01-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-01-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2008-04-19➖WILMOTT, Sylvia Anne resignedsecretary
- 2008-04-19➖WILMOTT, John George resigneddirector
- 2008-04-19➖WILMOTT, Sylvia Anne resigneddirector
- 2002-05-16🔒Charge registered #1Lender: National Westminster Bank PLC
- 2001-02-05🏢Company incorporatedAs A1 COMMERCIAL VALETING LIMITED
- 2001-02-05➕WINSTONE, Samantha appointeddirector
- 2001-02-05➕WINSTONE, Simon appointeddirector
- 2001-02-05➕WILMOTT, Sylvia Anne appointedsecretary
- 2001-02-05➕SECRETARIAL APPOINTMENTS LIMITED appointedcorporate-nominee-secretary
- 2001-02-05➖SECRETARIAL APPOINTMENTS LIMITED resignedcorporate-nominee-secretary
- 2001-02-05➕WILMOTT, John George appointeddirector
- 2001-02-05➕WILMOTT, Sylvia Anne appointeddirector
- 2001-02-05➕CORPORATE APPOINTMENTS LIMITED appointedcorporate-nominee-director
- 2001-02-05➖CORPORATE APPOINTMENTS LIMITED resignedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 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 |
|---|---|---|---|---|
Mrs Samantha Winstone Individual · British · DOB 02/1976 · age 50 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mr Simon Winstone Individual · British · DOB 10/1974 · age 52 | 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 (2 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 16/05/2002 | — |