A.W. SMITH & SONS LIMITED
Opportunity 78/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: family or management succession (50/100).
Refinance opportunity
14 live charges · 4 lenders · oldest 67.4y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 67.4 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 1800 | 1900 |
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
- • 1 officers
- • 1 accounts
Corporate timeline (41 events)Click to expand
- 2026-01-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-10➕SMITH, Edward Alan appointeddirector
- 2025-04-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-07🔒Charge registered #14Lender: Oxbury Bank PLC
- 2024-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-08🔒Charge registered #13Lender: Lloyds Bank PLC
- 2021-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-09📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-12-09📄change-person-director-company-with-change-dateofficers · CH01
- 2021-02-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-15📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-08-16🔒Charge registered #12Lender: Lloyds Bank PLC
- 2014-08-21🔒Charge registered #11Lender: Lloyds Bank PLC
- 2013-08-05🔒Charge registered #10Lender: Lloyds Tsb Bank PLC
- 2012-07-09🔒Charge registered #9Lender: Lloyds Tsb Bank PLC
- 2005-04-06➕SMITH, John William James appointedsecretary
- 2005-04-06➕SMITH, Andrew Alan appointeddirector
- 2005-04-06➕SMITH, John William James appointeddirector
- 2005-04-06➕SMITH, Martyn Craig appointeddirector
- 2005-04-06➕SMITH, Nicholas Darren appointeddirector
- 2005-04-06➕SMITH, Robert Gerrard Paul appointeddirector
- 2005-04-06➖SMITH, Alfred John resignedsecretary
- 2005-04-06➖SMITH, Alfred John resigneddirector
- 2005-04-06➖SMITH, Stanley Henry resigneddirector
- 1990-07-26🔒Charge registered #8Lender: The Agricultural Mortgage Corporation PLC
- 1990-07-26🔒Charge registered #7Lender: The Agricultural Mortgage Corporation PLC
- 1990-03-19🔒Charge registered #6Lender: Lloyds Bank PLC
- 1990-03-19🔒Charge registered #5Lender: Lloyds Bank PLC
- 1990-03-19🔒Charge registered #4Lender: Lloyds Bank PLC
- 1990-03-19🔒Charge registered #3Lender: Lloyds Bank PLC
- 1963-10-25🔒Charge registered #2Lender: Lloyds Bank PLC
- 1958-12-12🔒Charge registered #1Lender: Lloyds Bank PLC
- 1954-03-26🏢Company incorporatedAs A.W. SMITH & SONS LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "SMITH" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- primaryFamily succession underway: Not a takeover target — SMITH, Edward Alan (same surname) appointed 2025-12-10. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowHeavily 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 |
|---|---|---|---|---|
Executors Of Stanley Smith Individual · British · DOB 12/1932 · age 94 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Alfred John Smithceased 20/11/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| A B GRANT (LANGRICK) LIMITED→ 09798753 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| A.C.GILBERT & SON,LIMITED→ 00128636 · est 1913 · no financials extracted | — | — | — | — | 112y | — | — |
| A.I.WALGATE & SON→ 00532342 · est 1954 · no financials extracted | — | — | — | — | 71y | — | — |
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| AMICUS (FM) SERVICES LTD→ 12223111 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ANDREW JOHNSTONE LIMITED→ 01608946 · est 1982 · no financials extracted | — | — | — | — | 44y | — | — |
8 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 (7 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Oxbury Bank Oxbury Bank PLC | A registered charge | 1 property | 07/04/2025 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 08/11/2022 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 5 properties | 16/08/2018 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 21/08/2014 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | A registered charge | 1 property | 05/08/2013 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 09/07/2012 | — | |
| outstanding | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | Further charge for securing the further sum | 1 property | 26/07/1990 | — | |
| outstanding | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | Legal charge for securing the principal sum | 1 property | 26/07/1990 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal mortgage | 1 property | 19/03/1990 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal mortgage | 1 property | 19/03/1990 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal mortgage | 1 property | 19/03/1990 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal mortgage | 1 property | 19/03/1990 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Charge | 1 property | 25/10/1963 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 12/12/1958 | — |