A. ANDREWS & SONS (MARBLES & TILES) LIMITED
Opportunity 75/100 (strong), bankability 57/100. 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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
8 live charges · 4 lenders · oldest 62.7y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 62.7 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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 | 2024-12-31 | 2023-12-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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 confirmation-statement
Corporate timeline (50 events)Click to expand
- 2025-09-05📄accounts-with-accounts-type-groupaccounts · AA
- 2025-03-06📄capital-name-of-class-of-sharescapital · SH08
- 2025-01-15📄statement-of-companys-objectschange-of-constitution · CC04
- 2025-01-15📄resolutionresolution · RESOLUTIONS
- 2025-01-14📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-01-14📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-12-31➕PEACOCK, John appointedsecretary
- 2024-12-31➖DEAN, Christopher Graham resignedsecretary
- 2024-09-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-01➕BROWN, Jordan appointeddirector
- 2024-08-23📄accounts-with-accounts-type-groupaccounts · AA
- 2023-09-18📄accounts-with-accounts-type-groupaccounts · AA
- 2023-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-31➖WILSON, Michael resigneddirector
- 2022-09-20📄accounts-with-accounts-type-groupaccounts · AA
- 2021-09-04📄accounts-with-accounts-type-groupaccounts · AA
- 2020-12-01📄accounts-with-accounts-type-groupaccounts · AA
- 2020-06-12📄capital-name-of-class-of-sharescapital · SH08
- 2020-01-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-01-01➕PRIOR, Neil appointeddirector
- 2019-07-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-07-11📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2019-06-28➕DEAN, Christopher Graham appointedsecretary
- 2019-06-28➖HORTON, Rodney Christopher resignedsecretary
- 2019-06-28➖HORTON, Rodney Christopher resigneddirector
- 2019-01-28🔓Charge satisfied #6
- 2012-07-31➖TAYLOR, Ian resigneddirector
- 2011-01-01➕HORTON, Rodney Christopher appointeddirector
- 2010-07-14➕WILSON, Michael appointeddirector
- 2010-03-29🔒Charge registered #8Lender: Clydesdale Bank PLC
- 2007-12-31➕HORTON, Rodney Christopher appointedsecretary
- 2007-12-31➖WHALLEY, John David resignedsecretary
- 2007-12-31➖WHALLEY, John David resigneddirector
- 2007-07-12➕CLOUGH, David Matthew appointeddirector
- 2003-09-01🔒Charge registered #7Lender: Yorkshire Bank PLC
- 2001-11-15🔒Charge registered #6Lender: Yorkshire Bank PLC
- 2001-09-24🔒Charge registered #5Lender: Yorkshire Bank PLC
- 2000-12-22➖POGSON, Colin Richard resigneddirector
- 2000-08-31🔒Charge registered #4Lender: Yorkshire Bank PLC
- 1995-07-05➕WHALLEY, John David appointeddirector
- 1994-12-23➖RIPLEY, John Clive resigneddirector
- 1992-07-08➕TAYLOR, Ian appointeddirector
- 1992-04-30➖KENTON, Keith Dallas resigneddirector
- 1991-10-17🔓Charge satisfied #3
- 1991-10-17🔓Charge satisfied #2
- 1991-10-17🔓Charge satisfied #1
- 1964-05-25🔒Charge registered #3Lender: Midland Bank PLC
- 1964-02-14🔒Charge registered #2Lender: Scottish Union & National Insurance Co
- 1963-10-07🔒Charge registered #1Lender: Midland Bank PLC
- 1936-06-05🏢Company incorporatedAs A. ANDREWS & SONS (MARBLES & TILES) LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondary12+ year tenure: Director in role 19 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
A Andrews Trustee 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 |
|---|---|---|---|---|
A Andrews Trustee Limited Corporate entity | 75–100% | — | 75-100% shares | 22/07/2016 |
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.
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 (4 active · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | Charge over cash deposit | 1 property | 29/03/2010 | — | |
| outstanding | Virgin Money Yorkshire Bank PLC | Charge over a deposit | 1 property | 01/09/2003 | — | |
| satisfied | Virgin Money Yorkshire Bank PLC | Charge over a deposit held by yorshire bank PLC (own account) | 1 property | 15/11/2001 | 28/01/2019 | |
| outstanding | Virgin Money Yorkshire Bank PLC | Charge over a deposit (customers account) | 1 property | 24/09/2001 | — | |
| outstanding | Virgin Money Yorkshire Bank PLC | Charge over a deposit (customer's account) | 1 property | 31/08/2000 | — | |
| satisfied | Midland Bank Midland Bank PLC | Mortgage | 1 property | 25/05/1964 | 17/10/1991 | |
| satisfied | Scottish Union & National Insurance Co | Legal charge | 1 property | 14/02/1964 | 17/10/1991 | |
| satisfied | Midland Bank Midland Bank PLC | Charge | 1 property | 07/10/1963 | 17/10/1991 |