A & B ESTATES LIMITED
- · Oldest live charge 20.7y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 70). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 20.7y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 20.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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 | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 1100 | 1100 |
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 confirmation-statement
Corporate timeline (38 events)Click to expand
- 2025-08-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-09-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-02-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-02-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-01📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-01-15📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-05-26🔓Charge satisfied #1
- 2012-04-24🔒Charge registered #2Lender: National Westminster Bank PLC
- 2012-01-01➕ARMSTRONG, Barry Richardson appointeddirector
- 2011-05-27➕ARMSTRONG, Barry Richardson appointedsecretary
- 2011-05-01➕NEWSTEAD, Philip Guy appointeddirector
- 2011-05-01➕NEWSTEAD, Victoria Claire appointeddirector
- 2011-05-01➖ARMSTRONG, Barry Richardson resigneddirector
- 2010-06-01➕ARMSTRONG, Barry Richardson appointeddirector
- 2010-01-01➖NEWSTEAD, Philip Guy resignedsecretary
- 2010-01-01➖NEWSTEAD, Victoria Claire resigneddirector
- 2007-03-01➖BROWN, Richard Wade resignedsecretary
- 2007-03-01➕NEWSTEAD, Philip Guy appointedsecretary
- 2007-03-01➖BROWN, Gillian Margaret resigneddirector
- 2007-03-01➕NEWSTEAD, Victoria Claire appointeddirector
- 2005-08-01🔒Charge registered #1Lender: Hsbc Bank PLC
- 2004-01-19🏢Company incorporatedAs A & B ESTATES LIMITED
- 2004-01-19➕ARMSTRONG, Sharon appointeddirector
- 2004-01-19➕BROWN, Richard Wade appointedsecretary
- 2004-01-19➕STL SECRETARIES LTD appointedcorporate-secretary
- 2004-01-19➖STL SECRETARIES LTD resignedcorporate-secretary
- 2004-01-19➕BROWN, Gillian Margaret appointeddirector
- 2004-01-19➕STL DIRECTORS LTD appointedcorporate-director
- 2004-01-19➖STL DIRECTORS LTD resignedcorporate-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 70 — 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 70+: Senior director is approximately 70 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
4 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Victoria Claire Newstead Individual · British · DOB 07/1976 · age 50 | — | — | sig. influencesignificant influence | 06/04/2016 |
Mrs Sharon Armstrong Individual · British · DOB 05/1958 · age 68 | — | — | sig. influencesignificant influence | 06/04/2016 |
Mr Philip Guy Newstead Individual · British · DOB 10/1973 · age 53 | — | — | sig. influencesignificant influence | 06/04/2016 |
Mr Barry Richardson Armstrong Individual · British · DOB 09/1956 · age 70 | — | — | sig. influencesignificant influence | 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.
See pricing →Similar companies
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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 (5 active · 7 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 24/04/2012 | — | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 01/08/2005 | 26/05/2012 |