ALBION INVESTMENTS & HOLDINGS LTD
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (65/100, director aged 61). 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 · oldest 6.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (83/100)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 · accounting standard unknown| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | — | £623.0k |
| Current assets | — | £406.1k |
| Cash | — | £8.9k |
| Debtors | — | £397.2k |
| Net assets | — | £334.0k |
| Average employees | 0 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
- • 2 mortgage
Corporate timeline (28 events)Click to expand
- 2026-02-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-13🔓Charge satisfied #2
- 2026-02-13🔓Charge satisfied #1
- 2025-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-26📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-09-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-04➖FRANCIS, Lana Karen resigneddirector
- 2024-03-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-09📄resolutionresolution · RESOLUTIONS
- 2020-04-25📄capital-allotment-sharescapital · SH01
- 2020-04-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-04-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-04-03🔒Charge registered #2Lender: Belmont Green Finance Limited Trading as Vida Homeloans
- 2020-04-03🔒Charge registered #1Lender: Belmont Green Finance Limited Trading as Vida Homeloans
- 2020-03-20📄resolutionresolution · RESOLUTIONS
- 2020-03-13➕FRANCIS, Lana Karen appointeddirector
- 2020-03-13📄resolutionresolution · RESOLUTIONS
- 2017-04-10➖FIELD, Lewis Martin resigneddirector
- 2014-07-08🏢Company incorporatedAs ALBION INVESTMENTS & HOLDINGS LTD
- 2014-07-08➕FRANCIS, Paul Anthony appointeddirector
- 2014-07-08➕FIELD, Lewis Martin 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 61 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 61. 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 12 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 |
|---|---|---|---|---|
Mr Paul Anthony Francis Individual · British · DOB 08/1965 · age 61 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 04/07/2016 |
2 historic (ceased) PSCs
- Mrs Lana Karen Francisceased 04/08/2024· 25-50% shares · 25-50% voting
- Mr Lewis Martin Fieldceased 10/04/2017· 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.
See pricing →Similar companies
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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 · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Belmont Green Finance Trading as Vida Homeloans Belmont Green Finance Limited Trading as Vida Homeloans | A registered charge | 1 property | 03/04/2020 | 13/02/2026 | |
| satisfied | Belmont Green Finance Trading as Vida Homeloans Belmont Green Finance Limited Trading as Vida Homeloans | A registered charge | 1 property | 03/04/2020 | 13/02/2026 |