H & L ACCOUNTING LIMITED
- · Oldest live charge 21.3y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (93/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · oldest 21.3y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 21.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
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 102| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Average employees | 600 | 600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Corporate timeline (27 events)Click to expand
- 2026-04-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-04-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-20➕BARKER, Kathryn Julia appointeddirector
- 2025-09-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-03📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2020-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-06-21🔓Charge satisfied #2
- 2014-06-21🔓Charge satisfied #1
- 2008-12-31➖SHAW, Kathryn resignedsecretary
- 2005-02-16🔒Charge registered #2Lender: Abbey National PLC
- 2005-02-16🔒Charge registered #1Lender: Abbey National PLC
- 2003-11-05➖HORRIDGE, Catherine Mary resignedsecretary
- 2003-11-05➕SHAW, Kathryn appointedsecretary
- 2003-11-05➖SHAW, Kathryn resigneddirector
- 2003-10-17🏢Company incorporatedAs H & L ACCOUNTING LIMITED
- 2003-10-17➕HORRIDGE, Catherine Mary appointeddirector
- 2003-10-17➕HORRIDGE, Catherine Mary appointedsecretary
- 2003-10-17➕SHAW, Kathryn appointeddirector
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 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 73 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
- 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.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Kathryn Julia Barker Individual · British · DOB 11/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/11/2025 |
Ms Catherine Mary Horridge Individual · British · DOB 07/1953 · age 73 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
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 (2 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Santander Abbey National PLC | Legal charge | 1 property | 16/02/2005 | 21/06/2014 | |
| satisfied | Santander Abbey National PLC | Legal and general charge | 1 property | 16/02/2005 | 21/06/2014 |