ADP COMPLIANCE LTD
Opportunity 67/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 0.9y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.9 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (73/100)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.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-08-31 |
|---|
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
- • 3 mortgage
- • 1 accounts
- • 1 confirmation-statement
- • 4 mortgage
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (21 events)Click to expand
- 2026-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-24🔓Charge satisfied #1
- 2026-04-01📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2026-03-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-23🔓Charge satisfied #2
- 2026-03-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-26🔒Charge registered #3Lender: Flex Abl Limited
- 2026-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-22🔒Charge registered #2Lender: Morley Capital LTD Trading as Simply Funded
- 2025-07-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-30📄resolutionresolution · RESOLUTIONS
- 2025-07-30📄memorandum-articlesincorporation · MA
- 2025-07-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-02📄capital-allotment-sharescapital · SH01
- 2025-06-24🔒Charge registered #1Lender: Finbiz Funding Limited
- 2025-02-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-02-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-01➕PLUMMER, Daniel James appointeddirector
- 2024-08-20🏢Company incorporatedAs ADP COMPLIANCE LTD
- 2024-08-20➕PLUMMER, Joanne appointeddirector
- 2024-08-20📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 1.8 years old — management layer unlikely to be developed.
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
2 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-02-26: A registered charge; 2026-01-22: A registered charge; 2025-06-24: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Joanne Plummer Individual · British · DOB 03/1985 · age 41 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 20/08/2024 |
Mr Daniel James Plummer Individual · British · DOB 02/1984 · age 42 | 50–75% | 25–50% | board control50-75% shares · 50-75% voting · board control | 01/02/2025 |
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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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 | Flex Abl Flex Abl Limited | A registered charge | — | 26/02/2026 | — | |
| satisfied | Morley Capital Trading as Simply Funded Morley Capital LTD Trading as Simply Funded | A registered charge | — | 22/01/2026 | 23/03/2026 | |
| satisfied | Finbiz Funding Finbiz Funding Limited | A registered charge | 1 property | 24/06/2025 | 24/04/2026 |