A.G.& K.M.SPIERS,LIMITED
🌳Matureactive
00442649 · ltd · incorporated 1947-09-24
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 55.2y old — refinance window within 12 months
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 91-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 91). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · oldest 55.2y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 55.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 33/100 — workable, but lender will want more DD.
Data confidence
Overall: low (47/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 6 with DOB)
85
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
Network not yet resolved
30
Filing history
104 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
5
filings
- • 3 officers
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-03-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-11➕SPIERS, Ramon Albert Frederick appointeddirector
- 2026-02-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-31➖SPIERS, Ramon Albert Frederick resigneddirector
- 2026-01-31➖SPIERS, William John resigneddirector
- 2025-06-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-25➖SPIERS, William John resignedsecretary
- 2024-09-25📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-04📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-16📄resolutionresolution · RESOLUTIONS
- 2022-06-16📄memorandum-articlesincorporation · MA
- 2021-05-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-03📄change-person-director-company-with-change-dateofficers · CH01
- 2019-02-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2002-01-28➕SPIERS, William John appointedsecretary
- 2001-08-29➖SPIERS, Kathleen Mary resignedsecretary
- 2001-08-29➖SPIERS, Kathleen Mary resigneddirector
- 1974-06-12🔒Charge registered #2Lender: Lloyds Bank PLC
- 1971-05-21🔒Charge registered #1Lender: Lloyds Bank PLC
- 1947-09-24🏢Company incorporatedAs A.G.& K.M.SPIERS,LIMITED
Owner dependency
88/100
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 "SPIERS" — strong identity link between founder and business.
- +Founder age: Director aged approximately 91 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 91 years old. Natural succession window is now.
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: SPIERS, Ramon Albert Frederick resigned 2026-01-31; SPIERS, William John resigned 2026-01-31
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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
Incorporated1947-09-24
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Archway House
Spring Gardens Road
Bath
BA2 6PW
England
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-02-06
Last: 2026-01-23
Officers (3 active · 5 resigned)
Active
Active
SPIERS, Ramon Albert Frederick→
Activedirector · ~91y · appointed 2026-03-11
View their other companies + combined net worth →
SPIERS, Kathleen Mary→
Resignedsecretary · resigned 2001-08-29
SPIERS, William John→
Resignedsecretary · appointed 2002-01-28 · resigned 2024-09-25
SPIERS, Kathleen Mary→
Resigneddirector · ~112y · resigned 2001-08-29
SPIERS, Ramon Albert Frederick→
Resigneddirector · ~91y · resigned 2026-01-31
SPIERS, William John→
Resigneddirector · ~89y · resigned 2026-01-31
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 12/06/1974 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal mortgage | 1 property | 21/05/1971 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (104 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-07-10
appoint-person-director-company-with-name-date
officers · AP01
2026-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-27
termination-director-company-with-name-termination-date
officers · TM01
2026-02-24
termination-director-company-with-name-termination-date
officers · TM01
2026-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-23
termination-secretary-company-with-name-termination-date
officers · TM02
2024-09-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-14
change-person-director-company-with-change-date
officers · CH01
2024-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-29
resolution
resolution · RESOLUTIONS
2022-06-16