ALBY ASSOCIATES LTD
Opportunity 72/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 6.4y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.4 years old — likely at or near maturity.
- · 3 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.
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 | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | — | £573.1k |
| Current assets | — | £905.2k |
| Cash | — | £120.1k |
| Debtors | — | £765.2k |
| Net assets | — | £568.8k |
| Average employees | 8 | — |
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 confirmation-statement
Corporate timeline (22 events)Click to expand
- 2026-02-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-26🔓Charge satisfied #2
- 2025-09-26🔓Charge satisfied #1
- 2025-06-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-25🔒Charge registered #3Lender: Pulse Finance Limited
- 2025-05-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-16🔒Charge registered #2Lender: Pulse Cashflow Finance (Mk) Limited
- 2022-04-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-24📄capital-allotment-sharescapital · SH01
- 2021-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-18🔒Charge registered #1Lender: Calverton Finance LTD
- 2019-05-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2012-08-21🏢Company incorporatedAs ALBY ASSOCIATES LTD
- 2012-08-21➕MARRIOTT, Richard Ian 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.
- +No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.
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
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 Richard Marriott Individual · British · DOB 10/1974 · age 52 | 75–100% | — | 75-100% shares | 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.
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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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Pulse Finance Pulse Finance Limited | A registered charge | 6 properties | 25/06/2025 | — | |
| satisfied | Pulse Cashflow Finance (Mk) Pulse Cashflow Finance (Mk) Limited | A registered charge | 1 property | 16/05/2023 | 26/09/2025 | |
| satisfied | Calverton Finance Calverton Finance LTD | A registered charge | 1 property | 18/03/2020 | 26/09/2025 |