A&H ELKINGTON LTD
- · Oldest live charge 4.9y old — refinance window within 12 months
Opportunity 73/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
1 live charge · oldest 4.9y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.9 years — mid-life; refi window approaching.
- · 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.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)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 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £237.5k | £188.1k |
| Current assets | £279.2k | £228.7k |
| Net assets | £188.4k | £136.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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 mortgage
- • 1 mortgage
- • 1 confirmation-statement
Corporate timeline (13 events)Click to expand
- 2026-03-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-30🔓Charge satisfied #1
- 2025-10-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-13📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-09-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-22🔒Charge registered #1Lender: Lloyds Bank PLC
- 2020-12-09🏢Company incorporatedAs A&H ELKINGTON LTD
- 2020-12-09➕ELKINGTON, Andrew George appointeddirector
- 2020-12-09➕ELKINGTON, Holly Rhian appointeddirector
- 2020-12-09📄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.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "ELKINGTON" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Andrew George Elkington Individual · British · DOB 04/1972 · age 54 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 09/12/2020 |
Holly Rhian Elkington Individual · British · DOB 07/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 09/12/2020 |
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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 22/06/2021 | 30/03/2026 |