ALLFRESCH GROUP LTD
Opportunity 67/100 (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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
5 live charges · 4 lenders · oldest 9.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 9.7 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · 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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £214.8k | £50.7k |
| Current assets | £691.5k | £626.9k |
| Debtors | — | £626.9k |
| Net assets | £214.8k | £50.7k |
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 address
- • 1 confirmation-statement
- • 1 address
- • 1 confirmation-statement
- • 1 address
Corporate timeline (31 events)Click to expand
- 2026-05-05📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2025-09-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-15🔒Charge registered #5Lender: Seneca Trade Finance LTD
- 2025-01-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-03🔓Charge satisfied #3
- 2024-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-03-09🔓Charge satisfied #1
- 2022-02-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-02-25🔓Charge satisfied #4
- 2021-11-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-11🔒Charge registered #4Lender: Seneca Trade Finance LTD
- 2021-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-24📄legacycapital · SH20
- 2020-04-24⚠️legacyinsolvency · CAP-SS
- 2020-04-24📄resolutionresolution · RESOLUTIONS
- 2020-01-27📄accounts-with-accounts-type-groupaccounts · AA
- 2019-09-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2018-04-07🔓Charge satisfied #2
- 2017-11-01➖LYNCH, John resignedsecretary
- 2017-06-08🔒Charge registered #3Lender: Responsability Fair Agriculture Fund
- 2017-05-17🔒Charge registered #2Lender: Responsability Global Microfinance Fund
- 2016-08-25🔒Charge registered #1Lender: Hsbc Bank PLC
- 2013-04-11🏢Company incorporatedAs ALLFRESCH GROUP LTD
- 2013-04-11➕SPERLING, Andrew James appointeddirector
- 2013-04-11➕LYNCH, John appointedsecretary
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 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 high · 1 med · 1 lowFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2020-04-24: legacy
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Multiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew James Sperling Individual · British · DOB 04/1972 · age 54 | 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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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 (1 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Seneca Trade Finance Seneca Trade Finance LTD | A registered charge | 9 properties | 15/01/2025 | — | |
| satisfied | Seneca Trade Finance Seneca Trade Finance LTD | A registered charge | 3 properties | 11/11/2021 | 25/02/2022 | |
| satisfied | Responsability Fair Agriculture Fund | A registered charge | — | 08/06/2017 | 03/01/2025 | |
| satisfied | Responsability Global Microfinance Fund | A registered charge | — | 17/05/2017 | 07/04/2018 | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | 1 property | 25/08/2016 | 09/03/2022 |