ADRIAN AND LUCY LIMITED
- · Oldest live charge 15.7y old — refinance window within 12 months
Opportunity 48/100 (watch), bankability 55/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Company in liquidation. Company is actively being wound up. Not a going concern. Most likely exit: distressed disposal / insolvency (85/100). Current lenders should be on monthly review.
Refinance opportunity
1 live charge · oldest 15.7y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 15.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Total assets | £-3.0k | £-9.1k |
| Current assets | £81.7k | £75.5k |
| Cash | £41.6k | £32.8k |
| Debtors | £27.6k | £27.0k |
| Net assets | £-24.2k | £-35.3k |
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
- • 2 insolvency
- • 1 resolution
- • 2 insolvency
- • 1 resolution
- • 2 insolvency
- • 1 resolution
Corporate timeline (23 events)Click to expand
- 2026-05-07⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2026-05-07📄resolutionresolution · RESOLUTIONS
- 2026-05-07⚠️liquidation-voluntary-statement-of-affairsinsolvency · LIQ02
- 2025-09-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-22➖OWEN, Lucy resigneddirector
- 2021-10-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-10-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-05-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2010-08-26🔒Charge registered #1Lender: Barclays Bank PLC
- 2010-04-15🏢Company incorporatedAs ADRIAN AND LUCY LIMITED
- 2010-04-15➕OWEN, Adrian Mark appointeddirector
- 2010-04-15➕OWEN, Lucy appointeddirector
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 16 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 16 years.
- secondaryStable-but-static management: Company is 16 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
2 high ·Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-05-07: liquidation-voluntary-appointment-of-liquidator; 2026-05-07: liquidation-voluntary-statement-of-affairs
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Adrian Mark Owen Individual · British · DOB 07/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Lucy Owenceased 22/10/2021· 25-50% shares · 25-50% voting
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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10 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 | Barclays Barclays Bank PLC | Debenture | 1 property | 26/08/2010 | — |