VALHALLA SETTLEMENTS LIMITED
- · Oldest live charge 25.3y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 25.3y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 25.3 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 (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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £85.2k | £85.5k |
| Cash | £42.8k | £41.4k |
| Net assets | £85.2k | £85.5k |
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
- • 1 accounts
- • 1 accounts
Corporate timeline (32 events)Click to expand
- 2026-03-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-02-03🔓Charge satisfied #1
- 2021-01-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-12-06📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-07📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-04📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-03-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-07-22📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2010-07-07➖INDEPENDENT REGISTRARS LIMITED resignedcorporate-secretary
- 2007-05-11🔒Charge registered #4Lender: Mortgage Trust Limited
- 2007-05-11🔓Charge satisfied #2
- 2007-04-26➕INDEPENDENT REGISTRARS LIMITED appointedcorporate-secretary
- 2007-04-26➖WWW.FIRSTREGISTRARS.CO.UK LIMITED resignedcorporate-secretary
- 2004-06-19➕WWW.FIRSTREGISTRARS.CO.UK LIMITED appointedcorporate-secretary
- 2004-06-18➖CROSSING REGISTRARS (SCOTLAND) LTD resignedcorporate-secretary
- 2003-03-04➖AFM FREDERICK FRASER LIMITED resignedcorporate-secretary
- 2003-03-04➕CROSSING REGISTRARS (SCOTLAND) LTD appointedcorporate-secretary
- 2001-02-20🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2001-02-20🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2001-01-31🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2000-07-07🏢Company incorporatedAs VALHALLA SETTLEMENTS LIMITED
- 2000-07-07➕KRISTENSEN, Angela Marie appointeddirector
- 2000-07-07➕KRISTENSEN, Svend Le-Fevre appointeddirector
- 2000-07-07➕AFM FREDERICK FRASER LIMITED appointedcorporate-secretary
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 26 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +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 63. 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 26 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 26 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
1 med ·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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Angela Marie Kristensen Individual · British · DOB 12/1963 · age 63 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence | 06/07/2016 |
Svend Le-Fevre Kristensen Individual · Danish · DOB 01/1964 · age 62 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence | 06/07/2016 |
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
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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 (2 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Mortgage Trust Mortgage Trust Limited | Standard security | 1 property | 11/05/2007 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 20/02/2001 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 20/02/2001 | 11/05/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 31/01/2001 | 03/02/2022 |