A. & L. STORES LIMITED
🌳Matureactive
04530637 · ltd · incorporated 2002-09-10
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 20.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueActive trading company with a 69-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 20.8y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 20.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (76/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Average employees | 1 | 600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2026-05-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-08📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-08📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-02-22🔓Charge satisfied #1
- 2017-03-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-02-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-10📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2006-02-15➕FOLEY, Lorraine appointeddirector
- 2005-08-10🔒Charge registered #1Lender: Hsbc Bank PLC
- 2002-09-10🏢Company incorporatedAs A. & L. STORES LIMITED
- 2002-09-10➕FOLEY, Lorraine appointedsecretary
- 2002-09-10➕FOLEY, Anthony Richard appointeddirector
- 2002-09-10➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 2002-09-10➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
- 2002-09-10➕INSTANT COMPANIES LIMITED appointedcorporate-nominee-director
- 2002-09-10➖INSTANT COMPANIES LIMITED resignedcorporate-nominee-director
Owner dependency
91/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- 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 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anthony Richard Foley Individual · British · DOB 03/1957 · age 69 | 25–50% | 25–50% | sig. influence25-50% shares · 25-50% voting · significant influence | 06/04/2016 |
Mrs Lorraine Foley Individual · British · DOB 06/1959 · age 67 | 25–50% | 25–50% | sig. influence25-50% shares · 25-50% voting · significant influence | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| A & H PHILLIPS LTD→ 15184998 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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| AJP PROPERTY HOLDINGS LIMITED→ 16915181 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2002-09-10
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
2 The Hornbeams, Little Oakley
Dovercourt
Essex
CO12 5NL
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-09-24
Last: 2025-09-10
Officers (3 active · 2 resigned)
Active
FOLEY, Anthony Richard→
Activedirector · ~69y · appointed 2002-09-10
View their other companies + combined net worth →
FOLEY, Lorraine→
Activedirector · ~67y · appointed 2006-02-15
View their other companies + combined net worth →
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-09-10 · resigned 2002-09-10
INSTANT COMPANIES LIMITED→
Resignedcorporate-nominee-director · appointed 2002-09-10 · resigned 2002-09-10
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 10/08/2005 | 22/02/2018 |
Recent filings (60 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-10
change-person-director-company-with-change-date
officers · CH01
2025-09-08
change-person-director-company-with-change-date
officers · CH01
2025-09-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-18