ABERYSTWYTH LIBERAL ASSOCIATION LIMITED
- · Oldest live charge 20.5y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 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 20.5y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 400 | 400 |
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
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (36 events)Click to expand
- 2025-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-08-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-08-14📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2020-04-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-04-20📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-04-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-04-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-04-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-04-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-04-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-04-01➕WILLIAMS, Helen Refna appointedsecretary
- 2020-04-01➕REES-EVANS, David Rowland appointeddirector
- 2020-04-01➕WILLIAMS, Mark Fraser appointeddirector
- 2020-03-31➖KOLCZAK, Carol Ann resignedsecretary
- 2020-03-31➖JONES, John David Rowland, Councillor resigneddirector
- 2020-03-31➖KOLCZAK, Carol Ann resigneddirector
- 2020-03-31➖KOLCZAK, Kristopher David resigneddirector
- 2019-08-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2008-06-01➖GRIFFITHS, Eric John resigneddirector
- 2006-01-07🔒Charge registered #3Lender: Barclays Bank PLC
- 2005-11-30🔒Charge registered #2Lender: Barclays Bank PLC
- 2005-11-30🔒Charge registered #1Lender: Barclays Bank PLC
- 2005-03-11🏢Company incorporatedAs ABERYSTWYTH LIBERAL ASSOCIATION LIMITED
- 2005-03-11➕WOODS, Michael John, Dr appointeddirector
- 2005-03-11➕KOLCZAK, Carol Ann appointedsecretary
- 2005-03-11➕GRIFFITHS, Eric John appointeddirector
- 2005-03-11➕JONES, John David Rowland, Councillor appointeddirector
- 2005-03-11➕KOLCZAK, Carol Ann appointeddirector
- 2005-03-11➕KOLCZAK, Kristopher David appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 21 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Dr Michael John Woods Individual · British · DOB 06/1972 · age 54 | — | — | sig. influencesignificant influence | 31/03/2020 |
2 historic (ceased) PSCs
- Mr Kristopher David Kolczakceased 31/03/2020· significant influence
- Mrs Carol Ann Kolczakceased 31/03/2020· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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8 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 (4 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 07/01/2006 | — | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 30/11/2005 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 30/11/2005 | — |