ADVICE4BUSINESS NORTH EAST LTD
Opportunity 79/100 (strong), bankability 75/100. 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 (73/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 12.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 12.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £35.4k | £13.5k |
| Current assets | £54.9k | £61.8k |
| Net assets | £7 | £936 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (20 events)Click to expand
- 2025-10-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-06-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-17🔒Charge registered #2Lender: Nationwide Finance Limited
- 2025-06-16📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-06-01➕LOWTHER, Steven appointedsecretary
- 2024-12-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-08-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-01-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-11-15📄resolutionresolution · RESOLUTIONS
- 2017-01-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-12-14📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-12-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2014-03-03🔒Charge registered #1Lender: National Westminster Bank PLC
- 2013-11-22🏢Company incorporatedAs ADVICE4BUSINESS NORTH EAST LTD
- 2013-11-22➕LOWTHER, Linda Ann 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.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +No director turnover: Company is 13 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.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Linda Ann Lowther Individual · British · DOB 04/1964 · age 62 | 75–100% | — | 75-100% shares | 22/11/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Nationwide Finance Nationwide Finance Limited | A registered charge | 5 properties | 17/06/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 03/03/2014 | — |