ASK A LENDER LIMITED
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 68). 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 (73/100).
Data confidence
Overall: high (87/100)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
3 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 | 2026-06-30 | 2025-06-30 | 2024-06-30 |
|---|---|---|---|
| Total assets | £2 | £2 | £2 |
| Current assets | £2 | £2 | £2 |
| Net assets | £2 | £2 | £2 |
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
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (22 events)Click to expand
- 2026-07-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-07-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-08-02📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2023-08-02📄change-person-director-company-with-change-dateofficers · CH01
- 2023-08-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-07-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-08-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-08-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-07-26➖GEAVES, Christopher Paul resigneddirector
- 2020-07-06📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-07-03📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-01-14📄change-person-director-company-with-change-dateofficers · CH01
- 2019-01-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-01-12📄change-person-director-company-with-change-dateofficers · CH01
- 2012-06-12🏢Company incorporatedAs ASK A LENDER LIMITED
- 2012-06-12➕BH21 LTD appointedcorporate-secretary
- 2012-06-12➕ELSON, Gary David appointeddirector
- 2012-06-12➕GEAVES, Christopher Paul 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.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- 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
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gary David Elson Individual · British · DOB 05/1958 · age 68 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2017 |
1 historic (ceased) PSC
- Mr Christopher Paul Geavesceased 26/07/2020· 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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8 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.