ANDREW LUMLEY HOLDINGS LIMITED
- · Oldest live charge 12.7y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 77/100. Strong seller-intent signal (83/100, director aged 78). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 12.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 12.7 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: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 2 | 200 |
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 accounts
- • 1 accounts
Corporate timeline (23 events)Click to expand
- 2026-03-26📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-04-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-03-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-06-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-03-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-03-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-03-31📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-04-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-12-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-10-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-10-20🔓Charge satisfied #1
- 2018-05-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-12-11📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2017-12-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2017-12-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2017-12-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2017-08-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-19➖LUMLEY, Lucinda Harriet Elizabeth resigneddirector
- 2013-09-11🔒Charge registered #1Lender: Pensions Partnership Ssas Trustees Limited
- 2010-06-14🏢Company incorporatedAs ANDREW LUMLEY HOLDINGS LIMITED
- 2010-06-14➕LUMLEY, Andrew appointeddirector
- 2010-06-14➕LUMLEY, Juana Celsa appointeddirector
- 2010-06-14➕LUMLEY, Lucinda Harriet Elizabeth appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "LUMLEY" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 78 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
cleanGroup structure
Andrew Lumley 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 |
|---|---|---|---|---|
Andrew Lumley Limited Corporate entity | 75–100% | — | 75-100% shares | 06/03/2017 |
2 historic (ceased) PSCs
- Mr Andrew Lumleyceased 06/03/2017· 50-75% shares
- Mrs Juana Celsa Lumleyceased 06/03/2017· 25-50% shares
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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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 (2 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Pensions Partnership Ssas Trustees / Juana Lumley / Andrew Lumley Pensions Partnership Ssas Trustees Limited / Juana Lumley / Andrew Lumley | A registered charge | 1 property | 11/09/2013 | 20/10/2018 |