555 RETAIL LTD
Opportunity 36/100 (watch), bankability 20/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: distressed disposal / insolvency (65/100). Current lenders should be on immediate intervention.
Refinance opportunity
2 live charges · 2 lenders · oldest 3.0y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~3.0 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
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 | 2023-04-30 | 2022-04-30 |
|---|---|---|
| Total assets | £25.2k | £16.2k |
| Current assets | £1.92M | £1.78M |
| Cash | £105.5k | £87.8k |
| Debtors | £239.4k | £147.4k |
| Net assets | £25.2k | £16.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (24 events)Click to expand
- 2025-08-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-12⚠️liquidation-voluntary-statement-of-affairsinsolvency · LIQ02
- 2025-08-12⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2025-08-12📄resolutionresolution · RESOLUTIONS
- 2025-06-21📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2025-06-03📄gazette-notice-compulsorygazette · GAZ1
- 2024-08-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-08-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-17🔒Charge registered #2Lender: Matthew David Norton Haycox
- 2023-07-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-26🔒Charge registered #1Lender: Daniel Charles Buck
- 2023-05-01➕THOMSON, Stephen Alistair appointeddirector
- 2023-05-01➖BUCK, Daniel Charles resigneddirector
- 2022-08-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-07-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-15📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-07-12📄gazette-notice-compulsorygazette · GAZ1
- 2021-04-23🏢Company incorporatedAs 555 RETAIL LTD
- 2021-04-23➕BUCK, Daniel Charles appointeddirector
- 2021-04-23📄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 68 — succession pressure is live.
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.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
4 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2025-01-31
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2025-05-06
Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-08-12: liquidation-voluntary-statement-of-affairs; 2025-08-12: liquidation-voluntary-appointment-of-liquidator
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen Alistair Thomson Individual · British · DOB 09/1958 · age 68 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 01/05/2023 |
1 historic (ceased) PSC
- Mr Daniel Charles Buckceased 01/05/2023· 75-100% shares
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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13 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 · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Matthew David Norton Haycox | A registered charge | — | 17/05/2024 | — | |
| outstanding | Daniel Charles Buck | A registered charge | — | 26/05/2023 | — |