ALBANY PRODUCTS LIMITED
📈Growthactive
04397624 · ltd · incorporated 2002-03-19
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Non-specialised wholesale of food, beverages and tobacco
Sector: Wholesale & retail
Investor take
PursueLeverage-led grower with a 74-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (63/100, director aged 74). 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: strategic trade sale (78/100).
🏦
Refinance opportunity
9 live charges · 4 lenders · oldest 23.1y
45/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 23.1 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
9 officers (5 active, 9 linked, 6 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
101 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
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 →Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Profitable
Profit before tax £2,187,000
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Profit before tax | £2.19M | £1.77M |
| Average employees | 23 | 2300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
- 2026-05-01📄accounts-with-accounts-type-fullaccounts · AA
- 2026-04-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-31➖HUNTER, Nigel Matthew resigneddirector
- 2025-11-05📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-05📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-05📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-02📄capital-allotment-sharescapital · SH01
- 2025-05-29📄accounts-with-accounts-type-fullaccounts · AA
- 2025-02-25📄capital-allotment-sharescapital · SH01
- 2024-07-11📄capital-name-of-class-of-sharescapital · SH08
- 2024-07-11📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2024-07-11📄resolutionresolution · RESOLUTIONS
- 2024-05-30📄accounts-with-accounts-type-fullaccounts · AA
- 2023-05-31📄accounts-with-accounts-type-fullaccounts · AA
- 2022-05-24📄accounts-with-accounts-type-fullaccounts · AA
- 2021-11-03📄capital-allotment-sharescapital · SH01
- 2021-10-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-10-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-19🔓Charge satisfied #6
- 2021-10-19🔓Charge satisfied #4
- 2021-10-19🔓Charge satisfied #3
- 2021-10-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-01🔓Charge satisfied #5
- 2021-09-17🔒Charge registered #9Lender: Barclays Bank PLC
- 2021-09-17🔒Charge registered #8Lender: Barclays Bank PLC
- 2021-08-17🔒Charge registered #7Lender: Barclays Bank PLC
- 2018-12-15➕COURTNEY, David Andrew appointeddirector
- 2018-12-15➕CRANKSHAW, Adam Richard appointeddirector
- 2018-12-15➕MCKEVITT, Gareth Christopher George appointeddirector
- 2017-01-17🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2015-04-09🔒Charge registered #5Lender: Rbs Invoice Finance Limited
- 2014-04-03➖BURTON, Thomas Malcolm resignedsecretary
- 2006-11-17🔒Charge registered #4Lender: Rbs Invoice Finance Limited
- 2006-11-07🔓Charge satisfied #2
- 2005-12-19➕COURTNEY, Susan appointeddirector
- 2005-12-14🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2005-12-12➕HUNTER, Nigel Matthew appointeddirector
- 2005-04-14🔓Charge satisfied #1
- 2004-11-29🔒Charge registered #2Lender: Aib Group (UK) PLC
- 2003-06-23🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2002-04-17➕COURTNEY, Keith appointeddirector
- 2002-04-17➕BURTON, Thomas Malcolm appointedsecretary
- 2002-04-17➖CS SECRETARIES LIMITED resignedcorporate-secretary
- 2002-04-17➖CS DIRECTORS LIMITED resignedcorporate-director
- 2002-03-19🏢Company incorporatedAs ALBANY PRODUCTS LIMITED
- 2002-03-19➕CS SECRETARIES LIMITED appointedcorporate-secretary
- 2002-03-19➕CS DIRECTORS LIMITED appointedcorporate-director
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 74 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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 ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Keith Courtney Individual · British · DOB 03/1953 · age 73 | — | — | sig. influencesignificant influence | 01/09/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Wholesale & distribution · M postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AL ANWAR AL SATEAA FOR TRADING LTD→ 16951315 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AL BAYAN LTD→ 17070353 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AL EMLAQ TRADING LTD→ 16918787 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AL HALAL FRUIT & VEGETABLE MERCHANTS LIMITED→ 11482784 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AL HAMELI TRADING LTD→ 15915304 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AL-AKHAWAIN TRADING COMPANY LTD→ 17001410 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AL-FIDAA FOR AL-BAYTARIAT MEDICINES & AGRO PESTICIDES LTD→ 16889445 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALAFDAL FOR SELLING CLOTHES LTD→ 16815939 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALAINS IMPORT LTD→ 15488862 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ALAM AL-TAQADDUM AL-DHAHABI TRADING LTD→ 16622460 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALARM SUPPLIES NORTHERN LIMITED→ 03040852 · est 1995 · no financials extracted | — | — | — | — | 31y | — | — |
| ALB WHOLESALE LIMITED→ 13557172 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒Advanced scoring suite
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
Statusactive
Typeltd
Incorporated2002-03-19
Jurisdictionengland-wales
Primary SIC46390 — Non-specialised wholesale of food, beverages and tobacco
Registered office
Azets 5th Floor Ship Canal House
98 King Street
Manchester
M2 4WU
England
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-11-27
Last: 2025-11-13
Officers (5 active · 4 resigned)
COURTNEY, David Andrew→
Activedirector · ~40y · appointed 2018-12-15
View their other companies + combined net worth →
COURTNEY, Keith→
Activedirector · ~73y · appointed 2002-04-17
View their other companies + combined net worth →
COURTNEY, Susan→
Activedirector · ~74y · appointed 2005-12-19
View their other companies + combined net worth →
CRANKSHAW, Adam Richard→
Activedirector · ~38y · appointed 2018-12-15
View their other companies + combined net worth →
MCKEVITT, Gareth Christopher George→
Activedirector · ~58y · appointed 2018-12-15
View their other companies + combined net worth →
BURTON, Thomas Malcolm→
Resignedsecretary · appointed 2002-04-17 · resigned 2014-04-03
CS SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2002-03-19 · resigned 2002-04-17
HUNTER, Nigel Matthew→
Resigneddirector · ~64y · appointed 2005-12-12 · resigned 2026-03-31
CS DIRECTORS LIMITED→
Resignedcorporate-director · appointed 2002-03-19 · resigned 2002-04-17
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
3
Outstanding
1
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 17/09/2021 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 2 properties | 17/09/2021 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 17/08/2021 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 17/01/2017 | 19/10/2021 | |
| satisfied | NatWest Group Rbs Invoice Finance Limited | A registered charge | — | 09/04/2015 | 01/10/2021 | |
| satisfied | NatWest Group Rbs Invoice Finance Limited | Fixed and floating charge | 1 property | 17/11/2006 | 19/10/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 14/12/2005 | 19/10/2021 | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Mortgage debenture | 1 property | 29/11/2004 | 07/11/2006 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 23/06/2003 | 14/04/2005 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (101 total)
accounts-with-accounts-type-full
accounts · AA
2026-05-01
termination-director-company-with-name-termination-date
officers · TM01
2026-04-02
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-13
change-person-director-company-with-change-date
officers · CH01
2025-11-05
change-person-director-company-with-change-date
officers · CH01
2025-11-05
change-person-director-company-with-change-date
officers · CH01
2025-11-05
capital-allotment-shares
capital · SH01
2025-09-02
accounts-with-accounts-type-full
accounts · AA
2025-05-29
capital-allotment-shares
capital · SH01
2025-02-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-08
capital-name-of-class-of-shares
capital · SH08
2024-07-11
capital-variation-of-rights-attached-to-shares
capital · SH10
2024-07-11
resolution
resolution · RESOLUTIONS
2024-07-11
accounts-with-accounts-type-full
accounts · AA
2024-05-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-08