ALLOWAY RETAIL LIMITED
Opportunity 73/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
9 live charges · 6 lenders · oldest 20.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 20.3 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
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 · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 23 | 1100 |
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 accounts
- • 2 confirmation-statement
- • 1 accounts
Corporate timeline (47 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-04📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-06📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2021-06-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-06-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-06-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-06-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-06-08📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-06-07➕FALCONER, Samuel Murray appointeddirector
- 2021-06-07➖STRIBLING, David resignedsecretary
- 2021-06-07➖STRIBLING, David resigneddirector
- 2021-06-07➖STRIBLING, Fiona Isabel resigneddirector
- 2021-06-07🔒Charge registered #10Lender: Unity Trust Bank PLC
- 2021-05-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-05-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-05-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-04-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-06🔓Charge satisfied #9
- 2020-11-06🔓Charge satisfied #8
- 2013-10-17🔓Charge satisfied #7
- 2013-08-21🔒Charge registered #9Lender: Santander UK PLC as Security Trustee
- 2012-08-23🔓Charge satisfied #5
- 2012-08-23🔓Charge satisfied #6
- 2012-08-23🔓Charge satisfied #3
- 2012-08-09🔒Charge registered #8Lender: Santander UK PLC
- 2009-10-08🔓Charge satisfied #2
- 2009-09-17🔓Charge satisfied #1
- 2009-08-24🔒Charge registered #7Lender: Lloyds Tsb Scotland PLC
- 2009-08-13🔒Charge registered #5Lender: Lloyds Tsb Scotland PLC
- 2009-08-11🔒Charge registered #6Lender: Lloyds Tsb Scotland PLC
- 2006-03-10🔒Charge registered #3Lender: Aah Pharmaceuticals LTD & Barclay Pharmaceuticals LTD
- 2006-02-03🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2006-01-23🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2005-11-04🏢Company incorporatedAs ALLOWAY RETAIL LIMITED
- 2005-11-04➕STRIBLING, David appointedsecretary
- 2005-11-04➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2005-11-04➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2005-11-04➕STRIBLING, David appointeddirector
- 2005-11-04➕STRIBLING, Fiona Isabel appointeddirector
- 2005-11-04➕JORDANS (SCOTLAND) LIMITED appointedcorporate-nominee-director
- 2005-11-04➖JORDANS (SCOTLAND) LIMITED resignedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.
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
Ayrshire Healthcare Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ayrshire Healthcare Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/03/2017 |
2 historic (ceased) PSCs
- Mr David Striblingceased 01/03/2017· 25-50% shares · 25-50% voting
- Mrs Fiona Isabel Striblingceased 01/03/2017· 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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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 (1 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 07/06/2021 | — | |
| satisfied | Santander Santander UK PLC as Security Trustee | A registered charge | 1 property | 21/08/2013 | 06/11/2020 | |
| satisfied | Santander Santander UK PLC | Floating charge | 1 property | 09/08/2012 | 06/11/2020 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Assignation of company's goodwill | 1 property | 24/08/2009 | 17/10/2013 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 13/08/2009 | 23/08/2012 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Bond & floating charge | 1 property | 11/08/2009 | 23/08/2012 | |
| satisfied | Aah Pharmaceuticals & Barclay Pharmaceuticals Aah Pharmaceuticals LTD & Barclay Pharmaceuticals LTD | Bond & floating charge | 1 property | 10/03/2006 | 23/08/2012 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Assignation of goodwill | 1 property | 03/02/2006 | 08/10/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 23/01/2006 | 17/09/2009 |