ATB ACCOUNTANCY SERVICES LIMITED
- · Oldest live charge 9.5y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 9.5y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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.
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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £47.0k | £46.2k |
| Current assets | £16.6k | £16.2k |
| Net assets | £29.7k | £29.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (27 events)Click to expand
- 2025-07-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-11-26🔓Charge satisfied #1
- 2020-10-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-07-10📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2017-05-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-03-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-11-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-11-10🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2016-07-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-10-06📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-04-01➕SKILLING, Kathleen appointeddirector
- 2005-01-07➖SKILLING, Kathleen resigneddirector
- 2002-09-19🏢Company incorporatedAs ATB ACCOUNTANCY SERVICES LIMITED
- 2002-09-19➕SKILLING, Kathleen appointedsecretary
- 2002-09-19➕SKILLING, Gary James appointeddirector
- 2002-09-19➕ACS SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2002-09-19➖ACS SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2002-09-19➕SKILLING, Kathleen appointeddirector
- 2002-09-19➕ACS NOMINEES LIMITED appointedcorporate-nominee-director
- 2002-09-19➖ACS NOMINEES LIMITED resignedcorporate-nominee-director
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 24 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — 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 64. 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 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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 |
|---|---|---|---|---|
Mr Gary James Skilling Individual · Scottish · DOB 02/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Kathleen Skilling Individual · British · DOB 02/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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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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 · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 10/11/2016 | 26/11/2020 |