EPSCO LIMITED
- · Oldest live charge 31.4y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 77/100. Strong seller-intent signal (73/100, director aged 74). 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 (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 31.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 31.4 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.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 2100 | 2100 |
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 mortgage
- • 1 mortgage
- • 1 mortgage
- • 1 confirmation-statement
Corporate timeline (36 events)Click to expand
- 2026-04-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-08🔓Charge satisfied #2
- 2025-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-11📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-29🔒Charge registered #2Lender: Suart Oliber Smith
- 2024-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-12-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-12-06📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-06📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-12-06📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-06📄change-person-director-company-with-change-dateofficers · CH01
- 2021-05-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-04➕LESSLIE, Craig Michael appointeddirector
- 2006-06-21➕SMITH, Kristjan Thode appointeddirector
- 2002-07-31🔓Charge satisfied #1
- 1995-12-08➖DOKKEN, Ellen resigneddirector
- 1995-12-08➖JOANNOU, Andrew resigneddirector
- 1995-08-14➕JOANNOU, Andrew appointeddirector
- 1994-12-20🔒Charge registered #1Lender: Lloyds Bank PLC
- 1993-08-11➕KRISTJANSSON, Marion Elisabeth appointeddirector
- 1992-12-08➕DOKKEN, Ellen appointeddirector
- 1992-11-25➕KRISTJANSSON, Marion Elisabeth appointedsecretary
- 1992-11-25➖LEDINGHAM CHALMERS resignedcorporate-nominee-secretary
- 1992-10-28➕SMITH, Stuart appointeddirector
- 1992-10-28➖DURANO LIMITED resignedcorporate-nominee-director
- 1992-10-16🏢Company incorporatedAs EPSCO LIMITED
- 1992-10-16➕LEDINGHAM CHALMERS appointedcorporate-nominee-secretary
- 1992-10-16➕DURANO LIMITED appointedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 74 — 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 70+: Senior director is approximately 74 years old. Natural succession window is now.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Marion Elisabeth Kristjansson Individual · Icelandic · DOB 05/1955 · age 71 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Mr Stuart Smith Individual · British · DOB 05/1952 · age 74 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (5 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Suart Oliber Smith / Marion Elisabeth Krist Jansson | A registered charge | 1 property | 29/10/2024 | 08/04/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Bond & floating charge | 1 property | 20/12/1994 | 31/07/2002 |