ALAN RAMSAY SALES & MARKETING LIMITED
- · Oldest live charge 16.0y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 16.0y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 16.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £2.6k | £4.0k |
| Current assets | £50.0k | £53.5k |
| Net assets | £2.6k | £2.5k |
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
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (26 events)Click to expand
- 2026-05-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-04-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-28➕RAMSAY, Elaine appointeddirector
- 2023-04-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-04-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-04-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-04-21📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-04-21📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-04-01➕RAMSAY, Alan Thomas appointedsecretary
- 2013-04-01➖RAMSAY, Elaine resignedsecretary
- 2010-05-28🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2003-04-19➕RAMSAY, Alan Thomas appointeddirector
- 2003-04-18🏢Company incorporatedAs ALAN RAMSAY SALES & MARKETING LIMITED
- 2003-04-18➕RAMSAY, Elaine appointedsecretary
- 2003-04-18➕NORTH WEST REGISTRATION SERVICES (1994) LIMITED appointedcorporate-nominee-secretary
- 2003-04-18➖NORTH WEST REGISTRATION SERVICES (1994) LIMITED resignedcorporate-nominee-secretary
- 2003-04-18➕AVIS, Christine Susan appointednominee-director
- 2003-04-18➖AVIS, Christine Susan resignednominee-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.
- +Founder name in company name: Company name contains director surname "RAMSAY" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 68. 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 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alan Thomas Ramsay Individual · British · DOB 09/1958 · age 68 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
Mrs Elaine Ramsay Individual · British · DOB 05/1958 · age 68 | 25–50% | — | 25-50% shares | 28/08/2025 |
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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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 →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 | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 28/05/2010 | — |