ABM (LANCASHIRE) LIMITED
- · Oldest live charge 18.9y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (80/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 18.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 18.9 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.
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 | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Average employees | 15 | 1500 |
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 officers
- • 1 accounts
- • 1 officers
- • 1 accounts
Corporate timeline (40 events)Click to expand
- 2026-04-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-04-01➕ALDGATE, Gillian Marie appointeddirector
- 2025-08-21📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-06-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-09-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-09-02🔓Charge satisfied #2
- 2019-09-02🔓Charge satisfied #1
- 2019-06-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-06-14🔒Charge registered #3Lender: The Co-Operative Bank P.L.C.
- 2019-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-15📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2018-10-04➕ALDGATE, Gillian Marie appointedsecretary
- 2018-08-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-08-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-07-19➖CROSBIE, Robert David resignedsecretary
- 2018-07-19➖CROSBIE, Grace Ann resigneddirector
- 2018-07-19➖CROSBIE, Robert David resigneddirector
- 2017-05-11🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2011-06-08➕ALDGATE, Stewart Michael appointeddirector
- 2007-08-15➖CHADWICK, Margaret resignedsecretary
- 2007-08-15➕CROSBIE, Robert David appointedsecretary
- 2007-08-15➖CHADWICK, Margaret resigneddirector
- 2007-08-15➕CROSBIE, Grace Ann appointeddirector
- 2007-08-15🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2004-07-15🏢Company incorporatedAs ABM (LANCASHIRE) LIMITED
- 2004-07-15➕CHADWICK, Margaret appointedsecretary
- 2004-07-15➕GRAEME, Dorothy May appointednominee-secretary
- 2004-07-15➖GRAEME, Dorothy May resignednominee-secretary
- 2004-07-15➕CHADWICK, Margaret appointeddirector
- 2004-07-15➕CROSBIE, Robert David appointeddirector
- 2004-07-15➕GRAEME, Lesley Joyce appointednominee-director
- 2004-07-15➖GRAEME, Lesley Joyce 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.
- +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Abm (Lancashire) Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Abm (Lancashire) Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 14/07/2016 |
2 historic (ceased) PSCs
- Mrs Grace Ann Crosbieceased 19/07/2018· 25-50% shares
- Mr Robert David Crosbieceased 19/07/2018· 25-50% shares
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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6 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 · 7 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Co-operative Bank The Co-Operative Bank P.L.C. | A registered charge | 1 property | 14/06/2019 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 11/05/2017 | 02/09/2019 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 15/08/2007 | 02/09/2019 |