04288591 LIMITED
- · Oldest live charge 19.5y old — refinance window within 12 months
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 39/100 (watch), bankability 25/100. Strong seller-intent signal (78/100, director aged 69). 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 19.5y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 19.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: low (51/100)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
Corporate timeline (47 events)Click to expand
- 2016-10-05📄restoration-order-of-courtrestoration · AC92
- 2010-05-27⚠️liquidation-voluntary-creditors-return-of-final-meetinginsolvency · 4.72
- 2010-02-08⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · 4.68
- 2009-08-10⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · 4.68
- 2009-03-11📄legacyofficers · 288b
- 2008-08-05📍legacyaddress · 287
- 2008-07-30⚠️liquidation-voluntary-statement-of-affairs-with-form-attachedinsolvency · 4.20
- 2008-07-30📄resolutionresolution · RESOLUTIONS
- 2008-07-30⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2008-05-02➖HODGES, Nigel Ian resignedsecretary
- 2007-11-04📄accounts-with-accounts-type-fullaccounts · AA
- 2007-09-25📄legacyannual-return · 363a
- 2006-12-21📍legacyaddress · 287
- 2006-12-20📄auditors-resignation-companyauditors · AUD
- 2006-12-20📄legacycapital · 155(6)a
- 2006-12-20📄resolutionresolution · RESOLUTIONS
- 2006-12-20📄resolutionresolution · RESOLUTIONS
- 2006-12-20📄resolutionresolution · RESOLUTIONS
- 2006-12-18📄legacyofficers · 288b
- 2006-12-18📄legacyofficers · 288b
- 2006-12-18📄legacyofficers · 288a
- 2006-12-18📄legacyofficers · 288a
- 2006-12-12📄legacymortgage · 395
- 2006-12-11➕HODGES, Nigel Ian appointedsecretary
- 2006-12-11➖KEMPSON, Sandra Christine resignedsecretary
- 2006-12-11🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2006-12-08➕HUGHES, Paul Martyn appointeddirector
- 2006-12-08➖MAXWELL, Mark Gary resigneddirector
- 2006-11-01📄accounts-with-accounts-type-mediumaccounts · AA
- 2006-10-05📄legacyannual-return · 363s
- 2006-10-05📄legacyannual-return · 363(288)
- 2005-04-01➖MANCHANDA, Ravi resigneddirector
- 2004-11-05➕MANCHANDA, Ravi appointeddirector
- 2004-06-17➖ALLEN, Keith Cyril resignedsecretary
- 2004-06-17➕KEMPSON, Sandra Christine appointedsecretary
- 2002-12-11➕ALLEN, Keith Cyril appointedsecretary
- 2002-10-25➖KEMPSON, Sandra Christine resignedsecretary
- 2002-03-28➕MAXWELL, Mark Gary appointeddirector
- 2001-09-17🏢Company incorporatedAs 04288591 LIMITED
- 2001-09-17➕KEMPSON, Alan Trevor appointeddirector
- 2001-09-17➕KEMPSON, Sandra Christine appointedsecretary
- 2001-09-17➕COMBINED SECRETARIAL SERVICES LIMITED appointedcorporate-nominee-secretary
- 2001-09-17➖COMBINED SECRETARIAL SERVICES LIMITED resignedcorporate-nominee-secretary
- 2001-09-17➕COMBINED NOMINEES LIMITED appointedcorporate-nominee-director
- 2001-09-17➖COMBINED NOMINEES LIMITED resignedcorporate-nominee-director
- 2001-09-17➕COMBINED SECRETARIAL SERVICES LIMITED appointedcorporate-nominee-director
- 2001-09-17➖COMBINED SECRETARIAL 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.
- +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.
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- 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
4 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2008-10-31
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2016-10-01
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: 2010-05-27: liquidation-voluntary-creditors-return-of-final-meeting; 2010-02-08: liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date
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12 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 · 9 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | Debenture | 1 property | 11/12/2006 | — |