A. KELLY LIMITED
- · Oldest live charge 39.2y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 74). 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: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 39.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 39.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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 | 1600 | 1700 |
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
Corporate timeline (44 events)Click to expand
- 2025-06-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-12-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-01-07📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-01-07📄change-person-director-company-with-change-dateofficers · CH01
- 2022-01-07📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-12-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-09-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2019-08-19📄change-person-secretary-company-with-change-dateofficers · CH03
- 2018-09-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-05-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-04-27➖KELLY, Louise Mary resigneddirector
- 2017-08-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2016-09-22📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-07-09➖SELBIE, Francis James resigneddirector
- 2014-01-31🔒Charge registered #2Lender: Bank of Scotland PLC
- 2013-10-21➖HOPKINS, Graeme resigneddirector
- 2012-02-15➖YOUNG, Stuart Harris resigneddirector
- 2009-02-03➖FORREST, Kenneth Robert resigneddirector
- 2007-10-30➕WILKINSON, Mark Shanks appointedsecretary
- 2007-10-09➖WELSH, Thomas resignedsecretary
- 2007-05-01➕WELSH, Thomas appointedsecretary
- 2006-12-31➖DUNCAN, Gordon Thomson resignedsecretary
- 2006-12-31➖DUNCAN, Gordon Thomson resigneddirector
- 2001-03-01➕KELLY, Louise Mary appointeddirector
- 1999-10-01➕HOPKINS, Graeme appointeddirector
- 1997-08-01➕DUNCAN, Gordon Thomson appointeddirector
- 1995-01-01➕WILKINSON, Mark Shanks appointeddirector
- 1994-10-19➖KELLY, Ian resigneddirector
- 1994-01-01➕FORREST, Kenneth Robert appointeddirector
- 1994-01-01➕SELBIE, Francis James appointeddirector
- 1994-01-01➕YOUNG, Stuart Harris appointeddirector
- 1993-01-11➕KELLY, Ian appointeddirector
- 1991-11-28➕DUNCAN, Gordon Thomson appointedsecretary
- 1991-11-28➖KELLY, Alan Lowrie resignedsecretary
- 1991-11-28➖O'ROURKE, Thomas John resigneddirector
- 1990-11-30➕KELLY, Alan Lowrie appointedsecretary
- 1990-11-30➖KELLY, Ruby resignedsecretary
- 1990-11-30➖KELLY, Ruby resigneddirector
- 1987-02-09🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1982-12-31🏢Company incorporatedAs A. KELLY LIMITED
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.
- +Founder name in company name: Company name contains director surname "KELLY" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 74 — succession pressure is live.
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.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 43 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alan Lowrie Kelly Individual · British · DOB 12/1952 · age 74 | 75–100% | — | 75-100% shares | 06/04/2016 |
Mr Mark Shanks Wilkinson Individual · British · DOB 05/1969 · age 57 | — | — | sig. influencesignificant influence | 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.
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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 (3 active · 13 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 | 31/01/2014 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 09/02/1987 | — |