ARMITAGE & BARKER LTD
- · Oldest live charge 10.5y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
7 live charges · oldest 10.5y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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.
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 | 2026-01-31 | 2025-01-31 |
|---|---|---|
| Average employees | 1600 | 1600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (34 events)Click to expand
- 2026-05-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-04🔓Charge satisfied #6
- 2024-08-04🔓Charge satisfied #5
- 2024-08-04🔓Charge satisfied #4
- 2024-08-04🔓Charge satisfied #3
- 2024-08-04🔓Charge satisfied #2
- 2024-08-04🔓Charge satisfied #1
- 2023-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2016-04-22🔓Charge satisfied #7
- 2016-04-19🔒Charge registered #7Lender: The Royal Bank of Scotland PLC
- 2016-04-19🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2016-04-19🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 2016-04-19🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2016-02-01🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2016-02-01🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2016-01-27🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2015-07-31🏢Company incorporatedAs ARMITAGE & BARKER LTD
- 2015-07-31➕ARMITAGE, David Andrew appointeddirector
- 2015-07-31➕ARMITAGE, Tracey Jane appointeddirector
- 2015-07-31➕BARKER, Richard Anthony appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Founder name in company name: Company name contains director surname "ARMITAGE" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- 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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Richard Anthony Barker Individual · British · DOB 03/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Tracey Jane Armitage Individual · British · DOB 01/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr David Andrew Armitage Individual · British · DOB 09/1967 · 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.
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6 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 (3 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 19/04/2016 | 22/04/2016 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 19/04/2016 | 04/08/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 19/04/2016 | 04/08/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 19/04/2016 | 04/08/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 01/02/2016 | 04/08/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 01/02/2016 | 04/08/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 27/01/2016 | 04/08/2024 |