A.J.PEPPER LIMITED
🌳Matureactive
00425914 · ltd · incorporated 1946-12-18
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 43.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£790.2k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueAsset-holding vehicle with a 71-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (63/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 43.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 43.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
10 officers (4 active, 10 linked, 8 with DOB)
86
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
2 connected companies via shared directors
51
Filing history
102 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
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 →Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £790,158
Cash YoY
+751%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£11k
↑ 751% YoY
Net Worth
£790k
↑ 97% YoY
Current Assets
£15k
↑ 176% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £790.2k | £401.9k |
| Current assets | £15.5k | £5.6k |
| Cash | £11.2k | £1.3k |
| Debtors | £4.3k | £4.3k |
| Net assets | £790.2k | £401.9k |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-07➖BROWN, Rupert David Edward resigneddirector
- 2025-09-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-02➕BROWN, Naomi Ann Frances appointeddirector
- 2025-09-02➖BROWN, Patricia Winifred resigneddirector
- 2025-09-02➕BROWN, Rupert David Edward appointeddirector
- 2025-06-18📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-10-01➕PEPPER, Michael Jonathan Nigel appointeddirector
- 2019-03-26📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2019-03-26📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2019-03-07➕BROWN, Rupert David Edward appointedsecretary
- 2019-03-05➖BROWN, David John resignedsecretary
- 2015-07-01➖FIELD, Jennifer Clare resigneddirector
- 2007-01-19➕FIELD, Jennifer Clare appointeddirector
- 2007-01-18➕KNIGHTS (FORMERLY HOWATSON), Gabrielle Julia Frances appointeddirector
- 2007-01-07➖HODGETTS, Frances Grace resigneddirector
- 2002-08-15➖PEPPER, Alfred Edward, Doctor resigneddirector
- 1990-03-31🔓Charge satisfied #1
- 1982-09-20🔒Charge registered #1Lender: Midland Bank PLC
- 1946-12-18🏢Company incorporatedAs A.J.PEPPER LIMITED
Owner dependency
90/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Founder name in company name: Company name contains director surname "PEPPER" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 71 — succession pressure is live.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- 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 ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BROWN, Patricia Winifred resigned 2025-09-02; BROWN, Rupert David Edward resigned 2025-09-07
🔒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 · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 14 RAMSHILL ROAD (MANAGEMENT) LIMITED→ 09691377 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| A K PROPERTY HOLDINGS LTD→ 11317694 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| A&J PROPERTY SOLUTIONS LTD→ 11633266 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ADAMS & CO PROPERTY HOLDINGS LTD→ 14366861 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ADE INVESTMENTS 13 LTD→ 15947550 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADE INVESTMENTS 18 LTD→ 16051907 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADE INVESTMENTS 7 LTD→ 15743944 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADF PROPERTY RENTALS LIMITED→ 11763668 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AESUS LIMITED→ 15996300 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AFFORDABLE HOMES TO LET LIMITED→ 12151656 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AG CATFOSS LTD→ 12212343 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AGGLESTONE LIMITED→ 12980828 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated1946-12-18
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Acomb House
Front Street
Acomb
York
YO24 3BW
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-09-17
Last: 2025-09-03
Officers (4 active · 6 resigned)
BROWN, Rupert David Edward→
Activesecretary · appointed 2019-03-07
View their other companies + combined net worth →
BROWN, Naomi Ann Frances→
Activedirector · ~54y · appointed 2025-09-02
View their other companies + combined net worth →
KNIGHTS (FORMERLY HOWATSON), Gabrielle Julia Frances→
Activedirector · ~63y · appointed 2007-01-18
View their other companies + combined net worth →
PEPPER, Michael Jonathan Nigel→
Activedirector · ~71y · appointed 2019-10-01
View their other companies + combined net worth →
BROWN, David John→
Resignedsecretary · resigned 2019-03-05
BROWN, Patricia Winifred→
Resigneddirector · ~96y · resigned 2025-09-02
BROWN, Rupert David Edward→
Resigneddirector · ~64y · appointed 2025-09-02 · resigned 2025-09-07
FIELD, Jennifer Clare→
Resigneddirector · ~78y · appointed 2007-01-19 · resigned 2015-07-01
HODGETTS, Frances Grace→
Resigneddirector · ~101y · resigned 2007-01-07
PEPPER, Alfred Edward, Doctor→
Resigneddirector · ~106y · resigned 2002-08-15
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Midland Bank Midland Bank PLC | Charge | 1 property | 20/09/1982 | 31/03/1990 |
Recent filings (102 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-24
change-person-director-company-with-change-date
officers · CH01
2025-09-12
termination-director-company-with-name-termination-date
officers · TM01
2025-09-12
appoint-person-director-company-with-name-date
officers · AP01
2025-09-04
change-person-director-company-with-change-date
officers · CH01
2025-09-03
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-03
appoint-person-director-company-with-name-date
officers · AP01
2025-09-03
termination-director-company-with-name-termination-date
officers · TM01
2025-09-03
change-person-director-company-with-change-date
officers · CH01
2025-06-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-27
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-05