A J ANDREWS LIMITED
- 43999Other specialised construction activities n.e.c.
Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (68/100, director aged 87). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (53/100).
Refinance opportunity
10 live charges · 6 lenders · oldest 41.8y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 41.8 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (69/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-04-30 |
|---|---|
| Total assets | £529.5k |
| Current assets | £40.5k |
| Net assets | £309.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 2 officers
- • 1 persons-with-significant-control
- • 1 accounts
Corporate timeline (32 events)Click to expand
- 2026-03-04📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-04📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-22📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-02-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-12-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-02-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-02-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-02-22📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2008-05-02🔒Charge registered #10Lender: The Agricultural Mortgage Corporation PLC
- 2007-07-06🔒Charge registered #9Lender: The Agricultural Mortgage Corporation PLC
- 2007-03-20🔓Charge satisfied #6
- 2007-03-20🔓Charge satisfied #5
- 2006-02-06🔒Charge registered #8Lender: Lloyds Tsb Bank PLC
- 2002-09-24➕ANDREWS, Sarah Louise appointedsecretary
- 2002-09-24➖DEAN, Terence William resignedsecretary
- 1999-04-23🔒Charge registered #7Lender: Brenda Andrews
- 1998-05-15🔒Charge registered #6Lender: National Westminster Bank PLC
- 1997-11-20🔒Charge registered #5Lender: National Westminster Bank PLC
- 1996-11-28🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 1996-02-08🔓Charge satisfied #3
- 1996-02-08🔓Charge satisfied #2
- 1984-08-15🔒Charge registered #3Lender: Midland Bank PLC
- 1984-08-15🔒Charge registered #2Lender: Midland Bank PLC
- 1984-08-15🔒Charge registered #1Lender: Midland Bank PLC
- 1952-03-21🏢Company incorporatedAs A J ANDREWS LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "ANDREWS" — strong identity link between founder and business.
- +Founder age: Director aged approximately 87 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 87 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 74 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Arthur James Andrews Individual · British · DOB 07/1939 · age 87 | 50–75% | — | 50-75% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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9 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 (2 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | Legal charge | 1 property | 02/05/2008 | — | |
| outstanding | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | Legal charge | 1 property | 06/07/2007 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 06/02/2006 | — | |
| outstanding | Brenda Andrews / Arthur James Andrews | Legal charge | 1 property | 23/04/1999 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 2 properties | 15/05/1998 | 20/03/2007 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 20/11/1997 | 20/03/2007 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Memorandum of cash deposit | 1 property | 28/11/1996 | — | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 15/08/1984 | 08/02/1996 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 15/08/1984 | 08/02/1996 | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 15/08/1984 | — |