A & F LLOYD TRAINING LIMITED

🌿Early-stageactive
13865481 · ltd · incorporated 2022-01-22
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
Upgrade to see
Turnover
year to Jan 2025
Net worth
£44.3k
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Other publishing activities
Sector: Information & communication
ALSO REGISTERED FOR
  • 74909Other professional, scientific and technical activities n.e.c.
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. 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.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
9 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £44,315

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£44k
↑ 8.3% YoY
Current Assets
£45k
↑ 13% YoY
Current Liabilities
£0£9k£18k£27k£36k£45kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
Total assets£44.3k£40.9k
Current assets£45.3k£40.2k
Net assets£44.3k£40.9k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
  1. 2025-10-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-10-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-02-01
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2022-01-22
    🏢
    Company incorporated
    As A & F LLOYD TRAINING LIMITED
  6. 2022-01-22
    LLOYD, Andrew William appointed
    director
  7. 2022-01-22
    LLOYD, Fiona Jane appointed
    director
  8. 2022-01-22
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

89/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +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 "LLOYD" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Andrew William Lloyd
Individual · British · DOB 07/1964 · age 62
75100%
75–100%75-100% shares · 75-100% voting01/02/2023
Mrs Fiona Jane Lloyd
Individual · British · DOB 05/1966 · age 60
5075%
50–75%board control50-75% shares · 50-75% voting · board control22/01/2022

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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 →
🔒Advanced scoring suite

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.

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Company details

Statusactive
Typeltd
Incorporated2022-01-22
Jurisdictionengland-wales
Primary SIC58190 — Other publishing activities

Registered office

28 Pembroke Way
Whitby
YO21 1NT
England

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-02-04
Last: 2026-01-21

Officers (2 active · 0 resigned)

LLOYD, Andrew William
director · ~62y · appointed 2022-01-22
View their other companies + combined net worth →
Active
LLOYD, Fiona Jane
director · ~60y · appointed 2022-01-22
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (9 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-21
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-16
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-01
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-02-01
incorporation-company
incorporation · NEWINC
2022-01-22