A.J.PERCY(BUILDERS)LIMITED
🌳Matureactive
00645505 · ltd · incorporated 1959-12-24
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
£81.9k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 78/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
4 live charges · 4 lenders · oldest 66.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 66.2 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
106 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £81,933
Net assets shrinking
Down £4,664 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£82k
↓ 5.4% YoY
Current Assets
£27k
↓ 22% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £83.4k | £88.0k |
| Current assets | £27.0k | £34.6k |
| Net assets | £81.9k | £86.6k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-06📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-10-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2009-11-26➖PERCY, Arthur James resigneddirector
- 2009-06-13➕BERRY, Sally Ann Percy appointeddirector
- 2009-06-13➕PATTERSON, Claire Sonya appointeddirector
- 2009-03-11➖HELD, Leo Charles Eric resigneddirector
- 1968-12-31🔒Charge registered #4Lender: East Surrey Building Society
- 1966-12-30🔒Charge registered #3Lender: The East Surrey Building Society
- 1962-12-03🔒Charge registered #2Lender: Mrs N. M. Smith
- 1960-04-28🔒Charge registered #1Lender: N P Bank LTD
- 1959-12-24🏢Company incorporatedAs A.J.PERCY(BUILDERS)LIMITED
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 67 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sally Ann Percy Berry Individual · British · DOB 11/1973 · age 53 | 75–100% | — | 75-100% shares · trust interest | 29/12/2016 |
Mrs Claire Sonya Patterson Individual · British · DOB 03/1976 · age 50 | 75–100% | — | 75-100% shares · trust interest | 29/12/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒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 · RH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A H PARKER (LONDON) LIMITED→ 05346594 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| A J C STOCKLEY LTD→ 11458966 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| A. J. BORLEY LIMITED→ 04635245 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| ADAMWEST LTD→ 11418465 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ADRIAN SEBASTIAN MARTIN LTD→ 16483660 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADVANCED PARTITIONS LTD→ 14289798 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AFFINITY BUILD PRO LIMITED→ 15248648 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AFFINITY HEATING & PLUMBING LIMITED→ 14356173 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AFFINITY HOME IMPROVEMENTS LIMITED→ 16416825 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AFRIPONDS LIMITED→ 12313789 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AFTERCARE DOUBLE GLAZING REPAIRS LTD→ 04977063 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| AG DRYLINING & INTERIORS LTD→ 15139228 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated1959-12-24
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects
Registered office
56 Cronks Hill Road
Redhill
RH1 6LZ
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-09
Last: 2025-12-26
Officers (3 active · 2 resigned)
Active
BERRY, Sally Ann Percy→
Activedirector · ~53y · appointed 2009-06-13
View their other companies + combined net worth →
PATTERSON, Claire Sonya→
Activedirector · ~50y · appointed 2009-06-13
View their other companies + combined net worth →
HELD, Leo Charles Eric→
Resigneddirector · ~106y · resigned 2009-03-11
PERCY, Arthur James→
Resigneddirector · ~101y · resigned 2009-11-26
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
4
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | East Surrey Building Society | A registered charge | 1 property | 31/12/1968 | — | |
| outstanding | The East Surrey Building Society | Mortgage | 1 property | 30/12/1966 | — | |
| outstanding | Mrs N. M. Smith | Legal charge | 1 property | 03/12/1962 | — | |
| outstanding | N P Bank N P Bank LTD | Mortgage | 1 property | 28/04/1960 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (106 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-02
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-09
change-person-director-company-with-change-date
officers · CH01
2023-10-06
change-person-director-company-with-change-date
officers · CH01
2023-10-06
change-person-secretary-company-with-change-date
officers · CH03
2023-10-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-10-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-30