ABBEY FINANCE (AP&JY) LIMITED
Opportunity 74/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 66). 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).
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.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key 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 | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £79.1k | £76.2k |
| Current assets | £86.9k | £132.0k |
| Cash | £59.1k | £62.8k |
| Debtors | £27.8k | £69.2k |
| Net assets | £70.4k | £76.2k |
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
- • 1 accounts
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 accounts
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Corporate timeline (12 events)Click to expand
- 2026-04-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-04-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-18✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-02-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-01📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-10-25📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2020-02-12🏢Company incorporatedAs ABBEY FINANCE (AP&JY) LIMITED
- 2020-02-12➕GARDINER, Anthony Peter appointeddirector
- 2020-02-12📄incorporation-companyincorporation · NEWINC
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.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-02-18: certificate-change-of-name-company
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Antony Peter Gardiner Individual · British · DOB 06/1960 · age 66 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 12/02/2020 |
Mrs Joy Yvonne Gardiner Individual · British · DOB 02/1960 · age 66 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 12/02/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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8 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 · 0 resigned)
Click a director name to see their full track record across all companies.