ELP-AM SOLICITORS LIMITED
- · Oldest live charge 11.9y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
2 live charges · oldest 11.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 23/100 — clean.
Data confidence
Overall: medium (79/100)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.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · IFRS| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 2400 | 2400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 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 capital
- • 1 confirmation-statement
- • 1 capital
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (36 events)Click to expand
- 2026-03-24📄capital-name-of-class-of-sharescapital · SH08
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-10📄capital-return-purchase-own-sharescapital · SH03
- 2025-01-28📄capital-cancellation-sharescapital · SH06
- 2024-12-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-12-20📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-12-20📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-12-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-29➕MCFADZEAN, Duncan Ruaridh appointedsecretary
- 2024-10-29➖MCFADZEAN, Laura Melanie resignedsecretary
- 2024-10-29➖MCFADZEAN, Laura Melanie resigneddirector
- 2023-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-01➖TURNER, Irene Ethel resigneddirector
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-19➕TURNER, Irene Ethel appointeddirector
- 2022-12-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-12-09📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-12-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-10-19📄capital-cancellation-sharescapital · SH06
- 2022-10-19📄capital-return-purchase-own-sharescapital · SH03
- 2022-10-17📄resolutionresolution · RESOLUTIONS
- 2022-03-30➖MCCLANACHAN, Catherine resigneddirector
- 2021-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-02🔒Charge registered #2Lender: Bank of Scotland PLC
- 2019-03-31➕PAY, Lisbeth Ann appointeddirector
- 2019-03-31➖ARBUTHNOTT, Robert John resigneddirector
- 2014-06-04🔒Charge registered #1Lender: Bank of Scotland PLC
- 2014-02-28🏢Company incorporatedAs ELP-AM SOLICITORS LIMITED
- 2014-02-28➕MCFADZEAN, Duncan Ruaridh appointeddirector
- 2014-02-28➕MCFADZEAN, Laura Melanie appointedsecretary
- 2014-02-28➕ARBUTHNOTT, Robert John appointeddirector
- 2014-02-28➕MCCLANACHAN, Catherine appointeddirector
- 2014-02-28➕MCFADZEAN, Laura Melanie appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 12 years.
- 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 |
|---|---|---|---|---|
Miss Lisbeth Ann Pay Individual · British · DOB 08/1977 · age 49 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 29/10/2024 |
Mr Duncan Ruaridh Mcfadzean Individual · British · DOB 12/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
3 historic (ceased) PSCs
- Mrs Laura Melanie Mcfadzeanceased 29/10/2024· 25-50% shares · 25-50% voting
- Ms Catherine Mcclanachanceased 30/03/2022· 25-50% shares · 25-50% voting
- Mr Robert John Arbuthnottceased 31/03/2019· 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.
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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 · 5 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 | 1 property | 02/04/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 04/06/2014 | — |