ADIENT UK FINANCING LTD
Opportunity 63/100 (worth a look), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
15 live charges · 7 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.
- · 7 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (59/100)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
- • 1 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (49 events)Click to expand
- 2026-07-10📄accounts-with-accounts-type-fullaccounts · AA
- 2025-10-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-10-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-22🔒Charge registered #15Lender: U.S. Bank Trust Company, National Association
- 2025-10-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-17🔒Charge registered #14Lender: Jpmorgan Chase Bank, N.A.
- 2025-10-17🔒Charge registered #13Lender: Bank of America, N.A.
- 2025-09-30📄capital-allotment-sharescapital · SH01
- 2025-09-12📄capital-allotment-sharescapital · SH01
- 2025-09-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-02📄accounts-with-accounts-type-fullaccounts · AA
- 2025-05-22📄capital-allotment-sharescapital · SH01
- 2025-01-28⚠️legacyinsolvency · CAP-SS
- 2025-01-28📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2025-01-28📄legacycapital · SH20
- 2025-01-28⚠️legacyinsolvency · CAP-SS
- 2025-01-28📄resolutionresolution · RESOLUTIONS
- 2024-10-10📄capital-allotment-sharescapital · SH01
- 2024-07-03📄accounts-with-accounts-type-fullaccounts · AA
- 2024-05-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-30🔒Charge registered #12Lender: Bank of America, N.A.
- 2023-11-08📍change-sail-address-company-with-new-addressaddress · AD02
- 2023-11-08📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2023-07-10📄accounts-with-accounts-type-fullaccounts · AA
- 2023-03-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-14🔒Charge registered #11Lender: U.S. Bank Trust Company, National Association
- 2022-10-25🔓Charge satisfied #6
- 2022-10-25🔓Charge satisfied #5
- 2021-08-11🔓Charge satisfied #7
- 2021-08-11🔓Charge satisfied #4
- 2021-06-09🔒Charge registered #10Lender: Bank of America, N.A.
- 2020-10-13🔒Charge registered #9Lender: U.S. Bank National Association
- 2020-10-13🔒Charge registered #8Lender: Jpmorgan Chase Bank, N.A
- 2020-10-13🔒Charge registered #7Lender: U.S. Bank National Association
- 2020-10-13🔒Charge registered #6Lender: Bank of America, N.A
- 2020-04-23🔒Charge registered #5Lender: U.S. Bank National Association
- 2019-11-07➕ROTMAN II, Phillip Allan appointedsecretary
- 2019-11-07➕ROTMAN II, Phillip Allan appointeddirector
- 2019-11-07➖EBACHER, Cathleen Ann resignedsecretary
- 2019-11-07➖EBACHER, Cathleen Ann resigneddirector
- 2019-05-08🔓Charge satisfied #1
- 2019-05-06🔒Charge registered #4Lender: U.S. Bank National Association
- 2019-05-06🔒Charge registered #3Lender: Jpmorgan Chase Bank, N.A.
- 2019-05-06🔒Charge registered #2Lender: Bank of America, N.A.
- 2016-10-31🔒Charge registered #1Lender: Jpmorgan Chase Bank, N.A. (And Its Successors in Title and Permitted Transferees)
- 2016-10-24🏢Company incorporatedAs ADIENT UK FINANCING LTD
- 2016-10-24➕EBACHER, Cathleen Ann appointedsecretary
- 2016-10-24➕EBACHER, Cathleen 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 60 — 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 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 high · 2 med · 1 lowFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-01-28: legacy; 2025-01-28: legacy
Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-10-22: A registered charge; 2025-10-17: A registered charge; 2025-10-17: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Adient Public Limited Company is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Adient Public Limited Company Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/10/2016 |
1 historic (ceased) PSC
- Johnson Controls International Plcceased 31/10/2016· 75-100% shares · 75-100% voting · board control
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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10 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 · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | U.S. Bank Trust Company, National Association | A registered charge | — | 22/10/2025 | — | |
| outstanding | Jpmorgan Chase Bank, N.A. | A registered charge | 1 property | 17/10/2025 | — | |
| outstanding | Bank of America, N.A. | A registered charge | — | 17/10/2025 | — | |
| outstanding | Bank of America, N.A. | A registered charge | 1 property | 30/04/2024 | — | |
| outstanding | U.S. Bank Trust Company, National Association | A registered charge | 1 property | 14/03/2023 | — | |
| outstanding | Bank of America, N.A. | A registered charge | 1 property | 09/06/2021 | — | |
| outstanding | U.S. Bank National Association | A registered charge | — | 13/10/2020 | — | |
| outstanding | Jpmorgan Chase Bank, N.A | A registered charge | — | 13/10/2020 | — | |
| satisfied | U.S. Bank National Association | A registered charge | — | 13/10/2020 | 11/08/2021 | |
| satisfied | Bank of America, N.A | A registered charge | — | 13/10/2020 | 25/10/2022 | |
| satisfied | U.S. Bank National Association | A registered charge | 1 property | 23/04/2020 | 25/10/2022 | |
| satisfied | U.S. Bank National Association | A registered charge | 1 property | 06/05/2019 | 11/08/2021 | |
| outstanding | Jpmorgan Chase Bank, N.A. | A registered charge | 1 property | 06/05/2019 | — | |
| outstanding | Bank of America, N.A. | A registered charge | 1 property | 06/05/2019 | — | |
| satisfied | Jpmorgan Chase Bank, N.A. (And Its Successors in Title and Permitted Transferees) | A registered charge | — | 31/10/2016 | 08/05/2019 |