ABBEYGATE WEALTH MANAGEMENT LIMITED
Opportunity 74/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 49). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
4 live charges · 4 lenders · oldest 16.8y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 16.8 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key 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 | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £2.18M | £1.84M |
| Current assets | £102.7k | £41.8k |
| Cash | £22.8k | £9 |
| Debtors | £79.9k | £41.7k |
| Net assets | £220.6k | £258.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (28 events)Click to expand
- 2026-02-13📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-11-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-03🔒Charge registered #4Lender: Quilter Financial Planning Limited
- 2025-02-20📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-10-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-01-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-10-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-09-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-09-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-09-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-09-30🔓Charge satisfied #3
- 2021-09-30🔓Charge satisfied #2
- 2021-09-30🔓Charge satisfied #1
- 2021-06-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-04-07📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-04-06📄gazette-notice-compulsorygazette · GAZ1
- 2021-03-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-01-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-10-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-10-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-12-12🔒Charge registered #3Lender: Barclays Bank PLC
- 2011-10-17🔒Charge registered #2Lender: Abbeygate Enterprises Limited
- 2009-09-08🔒Charge registered #1Lender: Hsbc Bank PLC
- 2009-01-28🏢Company incorporatedAs ABBEYGATE WEALTH MANAGEMENT LIMITED
- 2009-01-28➕STOTT, James Duncan appointeddirector
- 2009-01-28➕KAHAN, Barbara appointeddirector
- 2009-01-28➖KAHAN, Barbara resigneddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Duncan Stott Individual · British · DOB 11/1977 · age 49 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 07/04/2016 |
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.
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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 (1 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Quilter Financial Planning Quilter Financial Planning Limited | A registered charge | 1 property | 03/11/2025 | — | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 12/12/2017 | 30/09/2021 | |
| satisfied | Abbeygate Enterprises Abbeygate Enterprises Limited | Rent deposit deed | 1 property | 17/10/2011 | 30/09/2021 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 08/09/2009 | 30/09/2021 |