A.N.B. LIMITED
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (93/100, director aged 77). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
7 live charges · 4 lenders · oldest 24.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 24.6 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)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 105 (micro)| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £1.04M | £1.03M |
| Current assets | £23.8k | £15.9k |
| Net assets | £1.03M | £994.1k |
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 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (37 events)Click to expand
- 2025-12-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-09-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-09🔓Charge satisfied #5
- 2025-09-09🔓Charge satisfied #4
- 2025-01-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-04➖KELLETT, Susan Victoria resignedsecretary
- 2023-05-04📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-01-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-08-11🔓Charge satisfied #7
- 2021-01-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-01-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-04-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-04-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-04-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-04-19🔓Charge satisfied #3
- 2018-04-19🔓Charge satisfied #2
- 2018-04-19🔓Charge satisfied #1
- 2015-10-02🔒Charge registered #7Lender: Lloyds Bank PLC
- 2011-04-14🔒Charge registered #6Lender: Lloyds Tsb Bank PLC
- 2011-04-14🔒Charge registered #5Lender: Lloyds Tsb Bank PLC
- 2011-03-30🔒Charge registered #4Lender: Lloyds Tsb Bank PLC
- 2005-12-16🔒Charge registered #3Lender: Clydesdale Bank Public Limited Company
- 2001-12-11🔒Charge registered #2Lender: Yorkshire Bank PLC
- 2001-10-16🔒Charge registered #1Lender: Yorkshire Bank PLC
- 2001-04-24🏢Company incorporatedAs A.N.B. LIMITED
- 2001-04-24➕KELLETT, Bernard Joseph appointeddirector
- 2001-04-24➕KELLETT, Susan Victoria appointedsecretary
- 2001-04-24➕ENERGIZE SECRETARY LIMITED appointedcorporate-nominee-secretary
- 2001-04-24➖ENERGIZE SECRETARY LIMITED resignedcorporate-nominee-secretary
- 2001-04-24➕ENERGIZE DIRECTOR LIMITED appointedcorporate-nominee-director
- 2001-04-24➖ENERGIZE DIRECTOR 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.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Bernard Joseph Kellett Individual · British · DOB 09/1949 · age 77 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
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.
See pricing →Similar companies
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8 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 (1 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 02/10/2015 | 11/08/2021 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 2 properties | 14/04/2011 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 14/04/2011 | 09/09/2025 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 30/03/2011 | 09/09/2025 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal mortgage | 1 property | 16/12/2005 | 19/04/2018 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Debenture | 1 property | 11/12/2001 | 19/04/2018 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal mortgage (own account) | 1 property | 16/10/2001 | 19/04/2018 |