AB FURNISHING HOLDINGS LTD
Opportunity 55/100 (worth a look), bankability 35/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (45/100). Current lenders should be on monthly review.
Refinance opportunity
6 live charges · 2 lenders · oldest 4.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.6 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Mixed signal. Worth opening the full target workup before deciding to pursue.
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 | 2024-03-31 | 2023-03-31 |
|---|---|---|
| Total assets | £2.93M | £2.89M |
| Current assets | £1.13M | £929.2k |
| Cash | £687 | £1.1k |
| Debtors | £1.13M | £928.1k |
| Net assets | £2.93M | £2.89M |
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
Corporate timeline (29 events)Click to expand
- 2025-10-20📄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
- 2025-10-15🔒Charge registered #6Lender: Hampshire Trust Bank PLC
- 2025-10-15🔒Charge registered #5Lender: Hampshire Trust Bank PLC
- 2025-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-05📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-01-28📄gazette-notice-compulsorygazette · GAZ1
- 2024-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-18🔒Charge registered #4Lender: Lloyds Bank PLC
- 2021-11-18🔒Charge registered #3Lender: Lloyds Bank PLC
- 2021-11-18🔒Charge registered #2Lender: Lloyds Bank PLC
- 2021-11-18🔒Charge registered #1Lender: Lloyds Bank PLC
- 2021-08-18📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2021-08-18📍change-sail-address-company-with-new-addressaddress · AD02
- 2020-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-09📄gazette-filings-brought-up-to-dategazette · DISS40
- 2019-10-08📄gazette-notice-compulsorygazette · GAZ1
- 2019-10-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-10-27🏢Company incorporatedAs AB FURNISHING HOLDINGS LTD
- 2017-10-27➕BELLAMY, Deborah Jane appointedsecretary
- 2017-10-27➕BELLAMY, Ashley William appointeddirector
- 2017-10-27➕BELLAMY, Deborah Jane appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +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 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 high · 1 lowStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-03-31
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2025-11-23
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ashley William Bellamy Individual · British · DOB 09/1964 · age 62 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 27/10/2017 |
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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12 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 | |||||
|---|---|---|---|---|---|---|
| outstanding | Hampshire Trust Bank Hampshire Trust Bank PLC | A registered charge | 1 property | 15/10/2025 | — | |
| outstanding | Hampshire Trust Bank Hampshire Trust Bank PLC | A registered charge | 2 properties | 15/10/2025 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 18/11/2021 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 18/11/2021 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 18/11/2021 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 18/11/2021 | — |