04282072 LIMITED
- · Oldest live charge 22.6y old — refinance window within 12 months
Opportunity 51/100 (worth a look), bankability 25/100. Strong seller-intent signal (65/100, director aged 58). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: asset disposal / carve-out (55/100). Current lenders should be on immediate intervention.
Refinance opportunity
2 live charges · 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 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2016-09-30 |
|---|---|
| Total assets | £445.8k |
| Current assets | £576.4k |
| Cash | £196.9k |
| Debtors | £244.5k |
| Net assets | £445.8k |
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
Corporate timeline (37 events)Click to expand
- 2024-07-09📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2024-06-04📄gazette-notice-compulsorygazette · GAZ1
- 2020-08-25📄restoration-order-of-courtrestoration · AC92
- 2020-08-25✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2019-12-07⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2019-09-07⚠️liquidation-in-administration-move-to-dissolutioninsolvency · AM23
- 2019-04-12⚠️liquidation-in-administration-progress-reportinsolvency · AM10
- 2018-09-28⚠️liquidation-in-administration-progress-reportinsolvency · AM10
- 2018-08-06⚠️liquidation-in-administration-extension-of-periodinsolvency · AM19
- 2018-04-24⚠️liquidation-in-administration-progress-reportinsolvency · AM10
- 2017-12-06⚠️liquidation-administration-notice-deemed-approval-of-proposalsinsolvency · AM06
- 2017-11-16⚠️liquidation-in-administration-proposalsinsolvency · AM03
- 2017-10-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-09-28⚠️liquidation-in-administration-appointment-of-administratorinsolvency · AM01
- 2017-02-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-12-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2016-12-20🔓Charge satisfied #1
- 2016-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-12-05📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2016-06-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-09📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-06-16📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-10-02📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-04-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-03-28📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2011-06-03🔒Charge registered #2Lender: National Westminster Bank PLC
- 2003-11-03🔒Charge registered #1Lender: National Westminster Bank PLC
- 2002-10-15➕KNIGHTON, Robert Harral appointedsecretary
- 2002-10-15➖EARNSHAW, Andrew William resignedsecretary
- 2001-09-05🏢Company incorporatedAs 04282072 LIMITED
- 2001-09-05➕EARNSHAW, Andrew William appointeddirector
- 2001-09-05➕KNIGHTON, Robert Harral appointeddirector
- 2001-09-05➕EARNSHAW, Andrew William appointedsecretary
- 2001-09-05➕ASHCROFT CAMERON SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2001-09-05➖ASHCROFT CAMERON SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2001-09-05➕ASHCROFT CAMERON NOMINEES LIMITED appointedcorporate-nominee-director
- 2001-09-05➖ASHCROFT CAMERON NOMINEES 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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- 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.
Red flags
3 high · 1 med ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2018-06-30
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2017-09-19
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2019-12-07: gazette-dissolved-liquidation; 2019-09-07: liquidation-in-administration-move-to-dissolution
Companies House flags prior insolvency events. Review the insolvency filings for context.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew William Earnshaw Individual · British · DOB 05/1968 · age 58 | 25–50% | — | 25-50% shares | 05/09/2016 |
Mr Robert Harral Knighton Individual · British · DOB 08/1968 · age 58 | 25–50% | — | 25-50% shares | 05/09/2016 |
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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11 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 | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 03/06/2011 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 03/11/2003 | 20/12/2016 |