127 ST ALBANS ROAD LIMITED
Opportunity 75/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 14.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 14.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)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 105 (micro)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 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £25.6k | £23.8k |
| Current assets | £33.4k | £31.7k |
| Net assets | £25.6k | £23.8k |
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 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (25 events)Click to expand
- 2025-11-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-21➖LOFTY, Derek Frank resigneddirector
- 2024-10-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-16🔓Charge satisfied #2
- 2023-01-16🔓Charge satisfied #1
- 2022-12-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-10-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2012-09-10🔒Charge registered #2Lender: Lloyds Tsb Bank PLC
- 2012-05-02🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2012-03-21🏢Company incorporatedAs 127 ST ALBANS ROAD LIMITED
- 2012-03-21➕LOFTY, Adrian appointeddirector
- 2012-03-21➕KAHAN, Barbara appointeddirector
- 2012-03-21➖KAHAN, Barbara resigneddirector
- 2012-03-21➕LOFTY, Derek Frank appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on 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 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
Derek Lofty Properties Ltd 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 |
|---|---|---|---|---|
Derek Lofty Properties Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 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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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 · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 10/09/2012 | 16/01/2023 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 02/05/2012 | 16/01/2023 |