A G JOINER & CO LIMITED
🌳Matureactive
00415641 · ltd · incorporated 1946-07-23
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 57.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 74/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 57.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 57.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — 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.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
113 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Average employees | 2 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-03-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-06-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-18➕CENTENO, Sophia Alexandra appointeddirector
- 2021-04-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-04-17➖CENTENO, Marjorie Ann resigneddirector
- 2021-04-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-05-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-30📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2020-03-29➕JARVIS, Philip Andrew appointedsecretary
- 2020-03-29➕JARVIS, Philip Andrew appointeddirector
- 2020-03-29➖JARVIS, Ernest Arthur resignedsecretary
- 2020-03-29➖JARVIS, Ernest Arthur resigneddirector
- 2020-03-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-03-29📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-03-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-05-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2012-08-31➖PITT, Andrew William James resigneddirector
- 1992-07-31🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 1975-02-18🔒Charge registered #3Lender: The Royal Bank of Scotland LTD
- 1971-10-13🔒Charge registered #1Lender: The Royal Bank of Scotland LTD
- 1969-06-09🔒Charge registered #2Lender: The Royal Bank of Scotland LTD
- 1946-07-23🏢Company incorporatedAs A G JOINER & CO LIMITED
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 80 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Joiner Investments Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️
Joiner Investments Limited
Corporate parent
⬇
A G JOINER & CO LIMITED
This company · 00415641
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 |
|---|---|---|---|---|
Joiner Investments Limited Corporate entity | — | 75–100% | 75-100% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Property · SM postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & D PACE LIMITED→ 10526507 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A CAPITAL PROPERTY HOLDINGS LTD→ 15951511 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A.G.D. PROPERTIES LIMITED→ 04275790 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| A18 INVESTMENTS LTD→ 12214883 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A2 ELITE PROPERTIES LIMITED→ 16922228 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A3 HEIGHTS LTD→ 14344365 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AAK BUILDERS & DEVELOPERS LIMITED→ 14261220 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABIB PROPERTIES LIMITED→ 12711125 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ABM RESIDENTIAL LTD→ 12409146 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ABM SYNERGIES LTD→ 11241364 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ABN PROMAX LTD→ 13264453 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABNM LTD→ 15494431 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒Advanced scoring suite
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
Statusactive
Typeltd
Incorporated1946-07-23
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
450a London Road
Cheam
Sutton
SM3 8JB
England
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-08-22
Last: 2025-08-08
Officers (3 active · 4 resigned)
JARVIS, Philip Andrew→
Activesecretary · appointed 2020-03-29
View their other companies + combined net worth →
CENTENO, Sophia Alexandra→
Activedirector · ~57y · appointed 2021-04-18
View their other companies + combined net worth →
JARVIS, Philip Andrew→
Activedirector · ~56y · appointed 2020-03-29
View their other companies + combined net worth →
JARVIS, Ernest Arthur→
Resignedsecretary · resigned 2020-03-29
CENTENO, Marjorie Ann→
Resigneddirector · ~82y · resigned 2021-04-17
JARVIS, Ernest Arthur→
Resigneddirector · ~93y · resigned 2020-03-29
PITT, Andrew William James→
Resigneddirector · ~81y · resigned 2012-08-31
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 31/07/1992 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland LTD | Debenture | 1 property | 18/02/1975 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland LTD | Legal charge | 1 property | 13/10/1971 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland LTD | Memo of deposit | 1 property | 09/06/1969 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (113 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-07-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-28
appoint-person-director-company-with-name-date
officers · AP01
2021-04-18
termination-director-company-with-name-termination-date
officers · TM01
2021-04-17