LODGE FINANCIAL ADVICE LIMITED
- · Oldest live charge 22.5y old — refinance window within 12 months
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
1 live charge · oldest 22.5y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 22.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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.
Key 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 | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Average employees | 8 | 800 |
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
Corporate timeline (33 events)Click to expand
- 2025-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-01➕GIBSON, Andrew Kenneth appointeddirector
- 2024-05-21📄capital-allotment-sharescapital · SH01
- 2023-11-21📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-29📄capital-cancellation-sharescapital · SH06
- 2021-04-29📄capital-return-purchase-own-sharescapital · SH03
- 2020-08-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-29📄capital-cancellation-sharescapital · SH06
- 2020-05-29📄capital-return-purchase-own-sharescapital · SH03
- 2020-03-12📄capital-cancellation-sharescapital · SH06
- 2020-03-12📄capital-return-purchase-own-sharescapital · SH03
- 2019-12-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-05-25➖ROSBOROUGH, Alvin Lamont resigneddirector
- 2013-05-31➖CLARKE, Stephen resigneddirector
- 2011-01-31➖CLARKE, Stephen resignedsecretary
- 2006-10-01➕ROSBOROUGH, Alvin Lamont appointeddirector
- 2006-08-31➖ROGERS, Andrew John resigneddirector
- 2003-11-28🔒Charge registered #1Lender: Ulster Bank Limited
- 2003-11-27➕WATSON, Donna Patricia appointeddirector
- 2003-11-27➖CLARKE, Jane resigneddirector
- 2003-11-27➕ROGERS, Andrew John appointeddirector
- 2003-02-28🏢Company incorporatedAs LODGE FINANCIAL ADVICE LIMITED
- 2003-02-28➕WATSON, Donna Patricia appointedsecretary
- 2003-02-28➕CLARKE, Stephen appointedsecretary
- 2003-02-28➕CLARKE, Jane appointeddirector
- 2003-02-28➕CLARKE, Stephen appointeddirector
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.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
Gibson Invest Limited holds 25-50% — a significant corporate investor but not a controlling parent.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Gibson Invest Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 04/09/2024 |
Mrs Donna Patricia Watson Individual · British · DOB 03/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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.
See pricing →Similar companies
Active · Financial services · BT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SEOPA LTD→ NI046322 · est 2003 | £34.63M £25.18M–£44.07M | £32.38M | — | 7500 | 23y | 90 | 51y |
| WILLIS & COMPANY (INSURANCE BROKERS) LIMITED→ NI032004 · est 1997 | £21.84M £15.89M–£27.80M | — | — | 9800 | 29y | 87 | 81y |
| ACKER DEVELOPMENTS LIMITED→ NI028267 · est 1994 · no financials extracted | — | — | — | — | 32y | 83 | 60y |
| CREATION CONSUMER FINANCE LIMITED→ NI032565 · est 1997 · no financials extracted | — | — | — | — | 28y | 83 | 67y |
| CRN FINANCIAL SERVICES LIMITED→ NI018912 · est 1985 | — | — | £178.8k | — | 40y | 83 | 64y |
| DRUMBEARN LIMITED→ NI054292 · est 2005 · no financials extracted | — | — | — | — | 21y | 83 | 60y |
| GDP PARTNERSHIP LIMITED→ NI605327 · est 2010 | — | — | £8.9k | — | 15y | 83 | 62y |
| INSURE I LIMITED→ NI072940 · est 2009 | — | — | £1.62M | — | 16y | 83 | 66y |
| M & D FINANCIAL MANAGEMENT LIMITED→ NI049794 · est 2004 | — | — | — | 600 | 22y | 83 | 60y |
| MCGRADY FINANCIAL SERVICES LIMITED→ NI032133 · est 1997 | — | — | £215.7k | — | 29y | 83 | 60y |
| MORTGAGE IQ LIMITED→ NI056126 · est 2005 | — | — | £18.4k | — | 20y | 83 | 58y |
| SAVAGE & PATTON (FINANCIAL SERVICES) LIMITED→ NI011459 · est 1976 | — | — | £397.5k | — | 49y | 83 | 64y |
6 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 · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | NatWest Group Ulster Bank Limited | Mortgage or charge | 1 property | 28/11/2003 | — |