PYRMONT FINISHES LIMITED
- · Oldest live charge 11.7y old — refinance window within 12 months
Opportunity 51/100 (worth a look), bankability 55/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (58/100). Current lenders should be on monthly review.
Refinance opportunity
1 live charge · oldest 11.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 11.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Recent activity
Corporate timeline (26 events)Click to expand
- 2021-10-21⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2021-10-21🏁Company dissolved
- 2021-07-21⚠️liquidation-voluntary-creditors-return-of-final-meetinginsolvency · LIQ14
- 2021-03-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-09-28⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2019-09-07⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2018-09-25⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2018-02-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-08-24⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2017-08-04⚠️liquidation-voluntary-statement-of-affairsinsolvency · LIQ02
- 2017-08-04📄resolutionresolution · RESOLUTIONS
- 2017-07-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-06-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-04-03➖STRAW, Christopher resigneddirector
- 2016-10-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-27📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-09📄capital-allotment-sharescapital · SH01
- 2014-12-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2014-11-28🔒Charge registered #1Lender: Aldermore Invoice Finance, a Division of Aldermore Bank PLC
- 2014-09-17📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2014-07-07🏢Company incorporatedAs PYRMONT FINISHES LIMITED
- 2014-07-07➕CARTER, Julie Clare appointeddirector
- 2014-07-07➕CARTER, Roger Ian appointeddirector
- 2014-07-07➕STRAW, Christopher appointeddirector
- 2014-07-07📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 high ·Company has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2021-10-21
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2021-10-21: gazette-dissolved-liquidation; 2021-07-21: liquidation-voluntary-creditors-return-of-final-meeting
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Roger Ian Carter Individual · British · DOB 06/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Julie Clare Carter Individual · British · DOB 06/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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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9 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 (0 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Invoice Finance, a Division of Aldermore Bank PLC | A registered charge | — | 28/11/2014 | — |