AGE UK CALDERDALE & KIRKLEES
- · Oldest live charge 21.2y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 80/100. Strong seller-intent signal (73/100, director aged 83). 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
3 live charges · oldest 21.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 21.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
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.
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 93 | 8800 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 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
Corporate timeline (73 events)Click to expand
- 2026-01-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-18📄accounts-with-accounts-type-fullaccounts · AA
- 2025-12-15➖ANDREWARTHA, Patricia resigneddirector
- 2025-12-15➖BOULTON, Elisabeth Rachel resigneddirector
- 2025-10-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-15➕ROBINSON, Deborah appointeddirector
- 2025-03-24➕RHODES, Sakina appointeddirector
- 2024-12-16📄accounts-with-accounts-type-fullaccounts · AA
- 2024-12-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-09➖TARREN, Nicholas John resigneddirector
- 2023-12-18📄accounts-with-accounts-type-fullaccounts · AA
- 2023-05-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-13➕GIBSON, Leanne Munro appointeddirector
- 2023-03-13➕MORRIS, Anthony Edwin appointeddirector
- 2023-03-13➕TARREN, Nicholas John appointeddirector
- 2023-01-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-20📄accounts-with-accounts-type-fullaccounts · AA
- 2022-12-14➖BIRCH, Keith resigneddirector
- 2022-12-14➖FELTON, Michael John resigneddirector
- 2022-11-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-07➖ELLIS, Susan resigneddirector
- 2021-12-16📄accounts-with-accounts-type-fullaccounts · AA
- 2021-12-06➖FLOWERS, Anthony John resigneddirector
- 2021-12-06➖PORTER, Stacey Martine resigneddirector
- 2021-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-11-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-11-01➕PATEL, Munaf Valli appointeddirector
- 2021-11-01➕YOUNG, Charles appointeddirector
- 2021-11-01➕BIRCH, Keith appointeddirector
- 2021-02-20➕ANDREWARTHA, Patricia appointeddirector
- 2020-12-07➖WALKER, William Michael resigneddirector
- 2020-06-06➖RILEY, Angela Kathryn resigneddirector
- 2019-12-09➖HILL, Lorraine Evelyn resigneddirector
- 2019-12-09➖SMYTH, Catherine Mary resigneddirector
- 2019-12-09➖WAITE, William Andrew resigneddirector
- 2019-12-08➖HILLYARD, Anthony John resigneddirector
- 2017-11-13➖MARSHALL, Andrew Hanson resigneddirector
- 2017-11-13➕SMYTH, Catherine Mary appointeddirector
- 2017-01-26➕PORTER, Stacey Martine appointeddirector
- 2016-11-14➖TEMPLETON, Allan resigneddirector
- 2016-03-16➕SPARK, Peter Malcolm appointeddirector
- 2016-03-16➕HILL, Lorraine Evelyn appointeddirector
- 2015-11-04🔓Charge satisfied #3
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -7 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 83 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 83 years old. Natural succession window is now.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: ANDREWARTHA, Patricia resigned 2025-12-15; BOULTON, Elisabeth Rachel resigned 2025-12-15
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
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 (7 active · 20 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | Legal charge | 2 properties | 04/07/2011 | 04/11/2015 | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 04/07/2011 | — | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 23/05/2005 | 04/11/2015 |