AG CARS LOUGHBOROUGH LTD
- 45200SIC 45200
- 77110Renting and leasing of cars and light motor vehicles
Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (58/100).
Refinance opportunity
1 live charge · oldest 0.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 0.5 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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 · 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 | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Total assets | £954.9k | £729.2k |
| Current assets | £814.3k | £614.4k |
| Cash | — | £204.8k |
| Debtors | — | £20.4k |
| Net assets | £819.1k | £552.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 mortgage
Corporate timeline (10 events)Click to expand
- 2026-03-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-01-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-12🔒Charge registered #1Lender: National Westminster Bank PLC
- 2025-03-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-12-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-08🏢Company incorporatedAs AG CARS LOUGHBOROUGH LTD
- 2022-11-08➕GJERAJ, Alban appointedsecretary
- 2022-11-08➕GJERAJ, Alban appointeddirector
- 2022-11-08📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alban Gjeraj Individual · British · DOB 10/1980 · age 46 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 08/11/2022 |
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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| ALBANY UNIQUE LTD→ 09113874 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 12/01/2026 | — |