1ST & 4MOST SOLUTIONS LTD
Opportunity 77/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (58/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 21.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 21.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £100.0k | £60.2k |
| Current assets | £33.1k | £30.0k |
| Net assets | £100.0k | £60.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
Corporate timeline (27 events)Click to expand
- 2026-03-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-07-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-08-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-08-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-12-08🔒Charge registered #2Lender: Lloyds Bank PLC
- 2016-08-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-20📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-07-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-06-19📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-07-13📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2011-01-05➖BROWN, Craig Maurice resigneddirector
- 2004-11-12🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2003-05-07🏢Company incorporatedAs 1ST & 4MOST SOLUTIONS LTD
- 2003-05-07➕KNIGHT, Richard John appointedsecretary
- 2003-05-07➕KNIGHT, Richard John appointeddirector
- 2003-05-07➕SAME-DAY COMPANY SERVICES LIMITED appointedcorporate-nominee-secretary
- 2003-05-07➖SAME-DAY COMPANY SERVICES LIMITED resignedcorporate-nominee-secretary
- 2003-05-07➕BROWN, Craig Maurice appointeddirector
- 2003-05-07➕WILDMAN & BATTELL LIMITED appointedcorporate-nominee-director
- 2003-05-07➖WILDMAN & BATTELL 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 23 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Richard Knight Individual · British · DOB 02/1970 · age 56 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control · firm interest | 01/06/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (2 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 08/12/2016 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 2 properties | 12/11/2004 | — |