A.& E.BAINES LIMITED

🌳Matureactive

00502384 · ltd · incorporated 1951-12-15

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Development of building projects

Sector: Construction

ALSO REGISTERED FOR

47789Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)

Investor take

Pursue

Active trading company with a 83-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (73/100, director aged 83). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

10 live charges · 5 lenders · oldest 26.9y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 26.9 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

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, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

10 charges (10/10 with lender, 10/10 with type)

Directors & officers

12 officers (7 active, 12 linked, 11 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

3 connected companies via shared directors

Filing history

141 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
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

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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 4 mortgage
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (48 events)Click to expand

2026-02-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-13
🔓
Charge satisfied #10
2026-02-13
🔓
Charge satisfied #9
2026-02-13
🔓
Charge satisfied #8
2026-02-13
🔓
Charge satisfied #7
2025-11-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-23
📄
change-person-secretary-company-with-change-date
officers · CH03
2024-11-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-14
📄
change-account-reference-date-company-current-extended
accounts · AA01
2022-09-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-04
📄
change-person-director-company-with-change-date
officers · CH01
2021-05-04
📄
change-person-director-company-with-change-date
officers · CH01
2021-05-04
📄
change-person-director-company-with-change-date
officers · CH01
2021-05-04
📄
change-person-director-company-with-change-date
officers · CH01
2021-05-04
📄
change-person-director-company-with-change-date
officers · CH01
2021-05-04
📄
change-person-director-company-with-change-date
officers · CH01
2021-03-18
📄
change-person-director-company-with-change-date
officers · CH01
2020-12-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-09
➖
BAINES, Colin resigned
director
2011-03-25
➖
RICHOMME, Doreen resigned
director
2010-12-22
🔓
Charge satisfied #6
2010-12-22
🔓
Charge satisfied #5
2010-12-22
🔓
Charge satisfied #4
2010-12-22
🔓
Charge satisfied #3
2010-12-22
🔓
Charge satisfied #2
2010-12-22
🔓
Charge satisfied #1
2010-10-27
🔒
Charge registered #10
Lender: Svenska Handelsbanken Ab (Publ)
2010-10-27
🔒
Charge registered #9
Lender: Svenska Handelsbanken Ab (Publ)
2010-10-27
🔒
Charge registered #8
Lender: Svenska Handelsbanken Ab (Publ)
2010-10-27
🔒
Charge registered #7
Lender: Svenska Handelsbanken Ab (Publ)
2010-03-08
➕
LOFTHOUSE, Ann Patricia appointed
director
2010-03-08
➖
MORIARTY, Enid Dorothy resigned
director
2009-07-30
🔒
Charge registered #6
Lender: Clydesdale Bank PLC (Trading as Yorkshire Bank)
2006-06-02
🔒
Charge registered #5
Lender: Clydesdale Bank Public Limited Company
2006-06-02
🔒
Charge registered #4
Lender: Clydesdale Bank Public Limited Company
2006-06-01
🔒
Charge registered #3
Lender: Clydesdale Bank Public Limited Company
2006-02-10
➕
BAINES, Linda Christine appointed
director
2005-05-20
🔒
Charge registered #2
Lender: Clydesdale Bank PLC
2004-08-04
➖
BAINES, Elizabeth Craig Davidson resigned
director
1999-06-04
🔒
Charge registered #1
Lender: Yorkshire Bank PLC
1994-04-11
➕
BAINES, Derek Alfred appointed
director
1994-04-11
➖
BAINES, Alfred Elsdon resigned
director
1951-12-15
🏢
Company incorporated
As A.& E.BAINES LIMITED

Owner dependency

88/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "BAINES" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 83 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 83 years old. Natural succession window is now.
primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 74 years old and no new directors in the last 3 years — succession not yet being planned internally.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

🔒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 · Construction · HG postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
A.L.S.O. INSTALLATIONS LTD→ 15662191 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ABBOTSCROFT HOLDINGS LIMITED→ 03634847 · est 1998 · no financials extracted	—	—	—	—	27y	—	—
ADDY'S(OUTFITTERS)LIMITED→ 00569882 · est 1956 · no financials extracted	—	—	—	—	69y	—	—
AFFORDABLE RURAL HOMES LIMITED→ 11828326 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
AFFORDABLE VILLAGE HOMES LIMITED→ 11828369 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
AH BUILDING LIMITED→ 16284486 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
AI EARTHWORKS LTD→ 16794638 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AIR CONDITIONING SERVICES (UK) LIMITED→ 08460630 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
AKTIV (HARROGATE) LTD→ 16239736 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
ALAN KITCHING DEVELOPMENTS LTD→ 05960751 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
ALC HOME SOLUTIONS LIMITED→ 16759599 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ALCHEMY MICROCEMENT LIMITED→ 15878669 · est 2024 · no financials extracted	—	—	—	—	1y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated1951-12-15

Jurisdictionengland-wales

Primary SIC41100 — Development of building projects

Registered office

Crown Chambers

Princes Street

Harrogate

North Yorkshire

HG1 1NJ

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-06

Last: 2026-01-23