ACCIDENT & EMERGENCY AGENCY LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 72/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
6 live charges · 6 lenders · oldest 19.6y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 19.6 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)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.
Recent activity
Corporate timeline (55 events)Click to expand
- 2025-09-01📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-01📄legacyaccounts · PARENT_ACC
- 2025-09-01📄legacyother · GUARANTEE2
- 2025-09-01📄legacyother · AGREEMENT2
- 2024-09-12📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-09-12📄legacyaccounts · PARENT_ACC
- 2024-09-12📄legacyother · AGREEMENT2
- 2024-09-12📄legacyother · GUARANTEE2
- 2023-09-22📄accounts-with-accounts-type-fullaccounts · AA
- 2023-02-02📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-02📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-02-01📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-02-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-16📄accounts-with-accounts-type-fullaccounts · AA
- 2022-05-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-05-03📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-04-20➕TONER, Daniel Francis appointedsecretary
- 2022-04-20➖RICHARDS, Thomas Christopher resignedsecretary
- 2021-10-02📄accounts-with-accounts-type-fullaccounts · AA
- 2021-09-15📄resolutionresolution · RESOLUTIONS
- 2021-09-15📄memorandum-articlesincorporation · MA
- 2021-09-03🔒Charge registered #6Lender: Lucid Trustee Services Limited
- 2021-06-09🔓Charge satisfied #5
- 2020-09-18➖MACMILLAN, Richard Paul Thomas resigneddirector
- 2019-06-20➕BARNARD, Michael David appointeddirector
- 2019-03-06🔒Charge registered #5Lender: Lucid Trustee Services Limited (As Security Agent)
- 2019-03-06🔓Charge satisfied #4
- 2017-09-19➖MCBRIDE, Richard resignedsecretary
- 2017-09-19➕RICHARDS, Thomas Christopher appointedsecretary
- 2017-09-19➖MCBRIDE, Richard Anthony resigneddirector
- 2017-07-04➕RICHARDS, Thomas Christopher appointeddirector
- 2014-08-28🔓Charge satisfied #3
- 2014-08-22🔒Charge registered #4Lender: Hsbc Corporate Trustee Company (UK) as Security Trustee for Itself and the Other Senior Secured Parties
- 2014-01-31➖EGLEN, David resignedsecretary
- 2014-01-31➕MCBRIDE, Richard appointedsecretary
- 2013-12-23🔒Charge registered #3Lender: Lloyds Bank PLC
- 2013-11-02🔓Charge satisfied #2
- 2013-10-23➖EVANS, Louie Anthony resigneddirector
- 2013-10-23➖FEATHER, Zackery Robert resigneddirector
- 2013-10-23➕MACMILLAN, Richard Paul Thomas appointeddirector
- 2013-10-23➕MCBRIDE, Richard Anthony appointeddirector
- 2013-08-20🔓Charge satisfied #1
- 2010-05-14➕EGLEN, David appointedsecretary
- 2010-05-14➖FEATHER, Zackery Robert resignedsecretary
- 2009-07-17🔒Charge registered #2Lender: Rbs Invoice Finance Limited
- 2008-03-31➕FEATHER, Zackery Robert appointedsecretary
- 2008-03-31➖MULLER, Jason Campbell resignedsecretary
- 2008-03-31➖MULLER, Jason Campbell resigneddirector
- 2006-11-08🔒Charge registered #1Lender: Euro Sales Finance PLC
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.
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
Pathology Group 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 |
|---|---|---|---|---|
Pathology Group Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 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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| ACCELERATED SEATING LIMITED→ 15768799 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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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 · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lucid Trustee Services Lucid Trustee Services Limited | A registered charge | — | 03/09/2021 | — | |
| satisfied | Lucid Trustee Services (As Security Agent) Lucid Trustee Services Limited (As Security Agent) | A registered charge | 1 property | 06/03/2019 | 09/06/2021 | |
| satisfied | HSBC Hsbc Corporate Trustee Company (UK) as Security Trustee for Itself and the Other Senior Secured Parties | A registered charge | — | 22/08/2014 | 06/03/2019 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 23/12/2013 | 28/08/2014 | |
| satisfied | NatWest Group Rbs Invoice Finance Limited | Debenture | 1 property | 17/07/2009 | 02/11/2013 | |
| satisfied | Euro Sales Finance Euro Sales Finance PLC | Fixed and floating charge | 1 property | 08/11/2006 | 20/08/2013 |