04287661 LIMITED
- · Oldest live charge 23.3y old — refinance window within 12 months
Opportunity 37/100 (watch), bankability 25/100. Strong seller-intent signal (78/100, director aged 86). 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: distressed disposal / insolvency (65/100). Current lenders should be on immediate intervention.
Refinance opportunity
1 live charge · oldest 23.3y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 23.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: low (54/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Recent activity
- • 2 persons-with-significant-control
- • 1 officers
- • 2 persons-with-significant-control
- • 1 officers
Corporate timeline (29 events)Click to expand
- 2026-04-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-24➖KIRCHEN, James Stanley resigneddirector
- 2025-11-20✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-06-23⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2023-03-23⚠️liquidation-voluntary-members-return-of-final-meetinginsolvency · LIQ13
- 2022-02-16⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2022-02-16⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2022-02-16📄resolutionresolution · RESOLUTIONS
- 2022-02-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-27📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-18📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-09-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2003-02-12🔒Charge registered #1Lender: Hsbc Bank PLC
- 2001-09-14🏢Company incorporatedAs 04287661 LIMITED
- 2001-09-14➕KIRCHEN, Valerie appointedsecretary
- 2001-09-14➕KIRCHEN, Valerie appointeddirector
- 2001-09-14➕LONDON LAW SECRETARIAL LIMITED appointedcorporate-nominee-secretary
- 2001-09-14➖LONDON LAW SECRETARIAL LIMITED resignedcorporate-nominee-secretary
- 2001-09-14➕KIRCHEN, James Stanley appointeddirector
- 2001-09-14➕LONDON LAW SERVICES LIMITED appointedcorporate-nominee-director
- 2001-09-14➖LONDON LAW SERVICES 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 86 — 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 86 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.
Red flags
4 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: 2022-09-30
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2022-09-28
Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2023-06-23: gazette-dissolved-liquidation; 2023-03-23: liquidation-voluntary-members-return-of-final-meeting
Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-11-20: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Valerie Kirchen Individual · British · DOB 12/1940 · age 86 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Mr James Stanley Kirchenceased 24/11/2025· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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13 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 · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 12/02/2003 | — |