ALLTRUST SIPP LIMITED

🌳Matureactive
05398985 · ltd · incorporated 2005-03-19
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
Upgrade to see
Turnover
year to Mar 2025
Net worth
book net assets
Opportunity
70/100
Strong
🔔
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What this business does
Primary activity: Non-trading company
Sector: Professional, scientific & technical
Investor take
Pursue
Strong opportunity: dormant / non-trading with strong profile and acceptable with review structure.

Opportunity 70/100 (strong), bankability 57/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 43 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

141 live charges · 40 lenders · oldest 20.1y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 20.1 years old — likely at or near maturity.
  • · 40 lenders named — inter-creditor friction likely.
  • · Legal-friction score 55/100 (high).

Data confidence

Overall: medium (74/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
141 charges (141/141 with lender, 141/141 with type)
90
Directors & officers
16 officers (4 active, 16 linked, 9 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
250 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-31

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
1
filing
  • 1 mortgage
Last 90 days
2
filings
  • 2 mortgage
Last 180 days
10
filings
  • 9 mortgage
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (205 events)Click to expand
  1. 2026-07-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-06-24
    🔒
    Charge registered #141
    Lender: Lloyds Bank PLC
  3. 2026-04-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2026-04-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2026-04-09
    🔒
    Charge registered #140
    Lender: Lloyds Bank PLC
  6. 2026-04-08
    🔒
    Charge registered #139
    Lender: Eastern Credit Limited
  7. 2026-04-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2026-03-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2026-03-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2026-03-27
    🔓
    Charge satisfied #128
  11. 2026-03-27
    🔓
    Charge satisfied #127
  12. 2026-03-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2026-03-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2026-03-23
    🔒
    Charge registered #137
    Lender: Hsbc UK Bank PLC
  15. 2026-03-23
    🔒
    Charge registered #136
    Lender: Hsbc UK Bank PLC
  16. 2026-03-17
    🔒
    Charge registered #138
    Lender: Barclays Security Trustee Limited
  17. 2026-01-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2026-01-22
    🔒
    Charge registered #135
    Lender: Lloyds Bank PLC
  19. 2025-12-29
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  20. 2025-11-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2025-11-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2025-10-31
    🔒
    Charge registered #134
    Lender: Lloyds Bank PLC
  23. 2025-10-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2025-10-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2025-10-07
    🔒
    Charge registered #133
    Lender: Handelsbanken PLC
  26. 2025-10-07
    🔒
    Charge registered #132
    Lender: Handelsbanken PLC
  27. 2025-05-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  28. 2025-04-30
    BISSON, William Geoffrey, Dr resigned
    director
  29. 2025-04-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  30. 2025-04-14
    🔒
    Charge registered #131
    Lender: Lloyds Bank PLC
  31. 2025-03-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  32. 2025-03-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  33. 2025-03-25
    🔒
    Charge registered #129
    Lender: Lloyds Bank PLC
  34. 2025-03-20
    🔒
    Charge registered #130
    Lender: The Royal Bank of Scotland PLC
  35. 2025-03-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  36. 2025-03-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  37. 2025-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  38. 2025-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  39. 2025-01-22
    🔒
    Charge registered #128
    Lender: Hsbc UK Bank PLC
  40. 2025-01-22
    🔒
    Charge registered #127
    Lender: Hsbc UK Bank PLC
  41. 2025-01-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  42. 2024-12-20
    🔒
    Charge registered #126
    Lender: National Westminster Bank PLC
  43. 2024-12-20
    🔒
    Charge registered #125
    Lender: Northern Bank Limited
  44. 2024-12-03
    🔒
    Charge registered #124
    Lender: Eastern Credit Limited
  45. 2024-10-07
    🔒
    Charge registered #123
    Lender: Handelsbanken PLC
  46. 2024-09-27
    🔒
    Charge registered #122
    Lender: Hsbc UK Bank PLC
  47. 2024-09-27
    🔒
    Charge registered #121
    Lender: Hsbc UK Bank PLC
  48. 2024-09-27
    🔒
    Charge registered #120
    Lender: Hsbc UK Bank PLC
  49. 2024-08-20
    🔓
    Charge satisfied #1
  50. 2024-08-01
    SHIPMAN, Robert James Michael appointed
    director
Showing most recent 50 of 205 events

Owner dependency

48/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

40/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.

Red flags

2 med · 1 low
10 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-06-24: A registered charge; 2026-04-09: A registered charge; 2026-04-08: A registered charge

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

129 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Alltrust Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Alltrust Limited
Corporate parent · holds 75-100% shares
ultimate parent
ALLTRUST SIPP LIMITED
This company · 05398985

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%
NameSharesVoting rightsNature of controlNotified
Alltrust Limited
Corporate entity
75100%
75–100%75-100% shares · 75-100% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒Advanced scoring suite

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

Statusactive
Typeltd
Incorporated2005-03-19
Jurisdictionengland-wales
Primary SIC74990 — Non-trading company

Registered office

Warner House
123 Castle Street
Salisbury
SP1 3TB
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-15
Last: 2026-03-01

Officers (4 active · 12 resigned)

FLOYD, James Neil Anthony
director · ~39y · appointed 2022-12-05
View their other companies + combined net worth →
Active
MOODY, Colin Stephen
director · ~58y · appointed 2023-02-28
View their other companies + combined net worth →
Active
SHIPMAN, Robert James Michael
director · ~53y · appointed 2024-08-01
View their other companies + combined net worth →
Active
SMITH, Gail Lesley
director · ~58y · appointed 2021-08-17
View their other companies + combined net worth →
Active
BROTHERS, Stuart Reginald
secretary · appointed 2005-08-05 · resigned 2006-03-27
Resigned
MARINI, Daniela Claudia
secretary · appointed 2006-03-27 · resigned 2009-02-06
Resigned
MURPHY, Jamie Christopher
secretary · appointed 2009-03-18 · resigned 2018-05-04
Resigned
NAWAZ KHAN, Patricia Alison
secretary · appointed 2005-06-01 · resigned 2005-08-05
Resigned
SECRETARIAL APPOINTMENTS LIMITED
corporate-nominee-secretary · appointed 2005-03-19 · resigned 2005-03-19
Resigned
SRBLEGAL LLP
corporate-secretary · appointed 2006-03-27 · resigned 2016-04-11
Resigned
BISSON, William Geoffrey, Dr
director · ~48y · appointed 2023-03-20 · resigned 2025-04-30
Resigned
MULLINS, Daniela Claudia
director · ~55y · appointed 2021-08-17 · resigned 2024-01-29
Resigned
MURPHY, Jamie Christopher
director · ~54y · appointed 2008-04-01 · resigned 2018-05-04
Resigned
NAWAZ-KHAN, Hamid
director · ~74y · appointed 2005-06-01 · resigned 2022-12-12
Resigned
WILLIAMS, Timothy Ashley
director · ~71y · appointed 2007-01-02 · resigned 2023-06-07
Resigned
CORPORATE APPOINTMENTS LIMITED
corporate-nominee-director · appointed 2005-03-19 · resigned 2005-03-19
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

141
Total charges
129
Outstanding
31
Active lenders
Status:Lender:141 of 141 shown
TypeProperties
outstanding
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Lloyds Banking Group
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A registered charge1 property22/01/2026
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Lloyds Banking Group
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A registered charge1 property31/10/2025
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Handelsbanken
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A registered charge1 property07/10/2025
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Lloyds Banking Group
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A registered charge1 property20/03/2025
satisfied
HSBC
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A registered charge2 properties22/01/202527/03/2026
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HSBC
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A registered charge1 property22/01/202527/03/2026
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National Westminster Bank
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Northern Bank
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A registered charge1 property20/12/2024
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Handelsbanken
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HSBC
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HSBC
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Barclays
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Handelsbanken
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A registered charge2 properties18/01/2024
outstanding
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A registered charge2 properties18/01/2024
outstanding
Northern Bank
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A registered charge3 properties10/01/2024
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Northern Bank
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A registered charge1 property10/01/2024
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Northern Bank
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A registered charge2 properties10/01/2024
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Northern Bank
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A registered charge1 property10/01/2024
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Barclays
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A registered charge1 property05/12/2023
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A registered charge1 property16/11/2023
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A registered charge1 property06/11/2023
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A registered charge1 property02/11/2023
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A registered charge1 property29/09/2023
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A registered charge1 property26/05/2023
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A registered charge2 properties16/09/2022
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A registered charge1 property24/05/2021
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Alltrust Ssas / David Hunter
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A registered charge1 property09/10/2020
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A registered charge1 property24/07/2020
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Handelsbanken
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A registered charge1 property30/06/2020
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property26/06/2020
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property26/06/2020
outstanding
Lloyds Banking Group
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A registered charge1 property22/04/2020
satisfied
Lloyds Banking Group
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A registered charge1 property15/04/202016/06/2022
satisfied
Lloyds Banking Group
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A registered charge1 property15/04/202016/06/2022
outstanding
John Stratton / Simon Stratton
A registered charge2 properties11/03/2020
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property10/02/2020
outstanding
Barclays
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A registered charge1 property10/02/2020
outstanding
Together Money
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A registered charge1 property10/09/2019
outstanding
Lloyds Banking Group
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A registered charge1 property01/02/2019
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property17/01/2019
outstanding
Handelsbanken
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A registered charge1 property08/01/2019
outstanding
Reliance Bank
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A registered charge1 property18/10/2018
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property12/10/2018
outstanding
National Westminster Bank
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A registered charge1 property12/10/2018
outstanding
National Westminster Bank
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A registered charge1 property30/08/2018
outstanding
Arbuthnot Latham & Co
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A registered charge1 property28/08/2018
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National Westminster Bank
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A registered charge1 property23/07/2018
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property02/07/2018
outstanding
Together Money
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A registered charge1 property29/06/2018
outstanding
Lloyds Banking Group
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A registered charge1 property21/06/2018
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A registered charge1 property19/04/2018
outstanding
Thincats Participations
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A registered charge1 property28/03/2018
outstanding
Swansea Building Society
A registered charge1 property12/01/2018
outstanding
National Westminster Bank
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A registered charge1 property21/12/2017
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property31/10/201704/01/2022
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property10/10/2017
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property10/10/2017
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property30/08/2017
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property28/07/2017
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property20/06/2017
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property03/04/2017
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property03/04/2017
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property16/03/2017
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property10/03/2017
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property30/11/2016
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge2 properties30/11/2016
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property31/10/2016
outstanding
HSBC
Hsbc Bank PLC
A registered charge1 property07/10/2016
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property11/04/2016
satisfied
Santander
Santander UK PLC
A registered charge1 property03/03/201621/06/2018
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property08/01/2016
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge2 properties08/01/2016
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property08/01/2016
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property30/11/2015
outstanding
National Westminster Bank
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A registered charge1 property24/03/2015
outstanding
Duncan Lawrie
Duncan Lawrie Limited
A registered charge1 property13/02/2015
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property19/11/2014
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property19/11/2014
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property07/11/2014
outstanding
HSBC
Hsbc Bank PLC
A registered charge1 property07/07/2014
outstanding
HSBC
Hsbc Bank PLC
A registered charge1 property07/07/2014
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property25/03/2014
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
A registered charge1 property25/09/2013
satisfied
Svenska Handelsbanken Ab (Publ)
A registered charge15/07/201319/09/2017
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
A registered charge2 properties12/07/2013
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property28/06/2013
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property26/06/2013
outstanding
Harpmanor
Harpmanor Limited
Legal charge1 property04/04/2013
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property22/03/2013
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property22/03/2013
outstanding
Svenska Handelsbanken Ab (Publ)
Legal charge2 properties07/02/2013
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property30/01/2013
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property29/01/2013
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property21/01/2013
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Legal mortgage1 property13/12/2012
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property05/07/2012
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed2 properties25/04/201212/11/2019
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property25/04/201223/05/2013
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Legal mortgage1 property20/04/2012
satisfied
Svenska Handelsbanken Ab (Publ)
Legal charge1 property14/02/201219/09/2017
satisfied
Svenska Handelsbanken Ab (Publ)
Legal charge1 property14/02/201219/09/2017
outstanding
Svenska Handelsbanken Ab (Publ)
Deed of legal mortgage1 property05/09/2011
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property18/05/2011
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Pledge over account1 property21/10/2010
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Assignation of rents1 property07/10/2010
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Standard security executed on 02 september 20101 property10/09/2010
outstanding
Svenska Handelbanken Ab (Publ)
Legal charge1 property04/08/2010
outstanding
Adam & Company
Adam & Company PLC
Standard security executed on 8TH and 12TH april 20101 property20/05/2010
outstanding
Adam & Co
Standard security executed on 8TH and 12TH april 20101 property27/04/2010
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property24/03/2010
outstanding
Monmouthshire Building Society
Mortgage1 property05/02/2009
outstanding
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security1 property06/01/2009
outstanding
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security1 property15/09/2008
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Third party legal charge1 property01/09/2008
outstanding
Scottish Woodlands
Scottish Woodlands Limited
Standard security dated 27 june and 4 july 20081 property04/07/2008
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property03/06/2008
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
A standard security which was presented for registration in scotland on the 17/05/07 and 04/05/07 and1 property06/04/2007
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
A standard security which was presented for registration in scotland on 02ND june 2006 dated 15TH may 2006 and1 property18/05/200620/08/2024
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Recent filings (250 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
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2026-07-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
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2026-04-02
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2026-03-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-23
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
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accounts-with-accounts-type-dormant
accounts · AA
2025-12-29
change-person-director-company-with-change-date
officers · CH01
2025-11-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-08