ARMAC VETS LIMITED
- · Oldest live charge 11.4y 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 77/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 58). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 11.4y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key 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 | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Average employees | 2900 | 3000 |
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 (30 events)Click to expand
- 2025-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-31➕MIDDLETON, Andrew Christopher appointeddirector
- 2023-08-31➕REIVE, Kirstyn Margaret appointeddirector
- 2023-08-31➖RODGER, Graeme resigneddirector
- 2023-08-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-05-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-05-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-11-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-11🔒Charge registered #3Lender: Bank of Scotland PLC
- 2021-08-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-08-02🔓Charge satisfied #2
- 2021-04-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-04-29🔓Charge satisfied #1
- 2021-03-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-02-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-02-11🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2019-05-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2014-12-19🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2014-06-19➖ARMSTRONG, John Waugh resigneddirector
- 2012-05-28🏢Company incorporatedAs ARMAC VETS LIMITED
- 2012-05-28➕GARDNER-ROBERTS, David appointeddirector
- 2012-05-28➕ARMSTRONG, John Waugh appointeddirector
- 2012-05-28➕RODGER, Graeme appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondary12+ year tenure: Director in role 14 years.
- 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.
Group structure
Armac Services Ltd 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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Armac Services Ltd Corporate entity | — | — | sig. influencesignificant influence | 23/05/2022 |
2 historic (ceased) PSCs
- Mr Graeme Rodgerceased 23/05/2022· 50-75% shares · 50-75% voting
- Mr David Gardner-Robertsceased 23/05/2022· 25-50% shares · 25-50% voting
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 (3 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 11/11/2021 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 11/02/2020 | 02/08/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 19/12/2014 | 29/04/2021 |