FIRST CHOICE SELECTION SERVICES LTD
- · Oldest live charge 24.4y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (78/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 24.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 24.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
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 | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Turnover | £22.43M | £19.90M |
| Gross profit | £2.63M | £2.23M |
| Operating profit | £716.8k | £380.1k |
| Profit before tax | £722.2k | £384.3k |
| Average employees | 85500 | 84600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 signals 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 accounts
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (30 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-09📄accounts-with-accounts-type-fullaccounts · AA
- 2024-05-07📄accounts-with-accounts-type-fullaccounts · AA
- 2023-04-18📄accounts-with-accounts-type-fullaccounts · AA
- 2022-05-17📄accounts-with-accounts-type-fullaccounts · AA
- 2021-04-01📄accounts-with-accounts-type-fullaccounts · AA
- 2020-06-19📄accounts-with-accounts-type-fullaccounts · AA
- 2019-05-10📄accounts-with-accounts-type-fullaccounts · AA
- 2018-05-31📄accounts-with-accounts-type-fullaccounts · AA
- 2017-05-22📄accounts-with-accounts-type-fullaccounts · AA
- 2016-06-20📄accounts-with-accounts-type-fullaccounts · AA
- 2016-02-19📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-12-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2015-12-01➕DOYLE, Pauline Anne appointeddirector
- 2015-04-10📄accounts-with-accounts-type-mediumaccounts · AA
- 2015-02-12📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-03-16➕DOYLE, Sean appointedsecretary
- 2011-03-16➖DOYLE, Pauline Anne resignedsecretary
- 2011-03-16➖DOYLE, Pauline Anne resigneddirector
- 2008-09-29➖NOBLE, Peter resigneddirector
- 2006-12-01🔓Charge satisfied #3
- 2006-03-13🔒Charge registered #4Lender: Northern Bank Limited
- 2004-12-21🔒Charge registered #3Lender: Northern Bank Limited
- 2001-12-17🔒Charge registered #2Lender: Northern Bank LTD
- 2001-12-17🔒Charge registered #1Lender: Northern Bank LTD
- 1992-02-25🏢Company incorporatedAs FIRST CHOICE SELECTION SERVICES LTD
- 1992-02-25➕DOYLE, Sean Francis appointeddirector
- 1992-02-25➕DOYLE, Pauline Anne appointedsecretary
- 1992-02-25➕DOYLE, Pauline Anne appointeddirector
- 1992-02-25➕NOBLE, Peter appointeddirector
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.
- +Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 34 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 34 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Sean Francis Doyle Individual · Irish · DOB 11/1959 · age 67 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/02/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (3 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Northern Bank Northern Bank Limited | Mortgage or charge | 2 properties | 13/03/2006 | — | |
| satisfied | Northern Bank Northern Bank Limited | Solicitors letter of undertaking | 1 property | 21/12/2004 | 01/12/2006 | |
| outstanding | Northern Bank Northern Bank LTD | Mortgage or charge | 1 property | 17/12/2001 | — | |
| outstanding | Northern Bank Northern Bank LTD | Mortgage or charge | 1 property | 17/12/2001 | — |