ALBERT E.JAMES & SON LIMITED
Opportunity 77/100 (strong), bankability 67/100. 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. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
5 live charges · 4 lenders · oldest 44.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 44.6 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)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.
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 1700 | 1500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (41 events)Click to expand
- 2025-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-11-08🔓Charge satisfied #3
- 2022-09-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-04📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-04-06🔓Charge satisfied #4
- 2021-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-03-26➖THOMPSON, Paul resigneddirector
- 2020-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-08-12🔒Charge registered #5Lender: National Westminster Bank PLC
- 2019-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-04-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-04-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2018-04-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-04-20➕MOGG, Joseph Michael appointeddirector
- 2018-04-20➖JONES, Stephen Robert resigneddirector
- 2018-04-20➖JONES, Timothy John resigneddirector
- 2018-04-20➕THOMPSON, Paul appointeddirector
- 2018-04-20🔒Charge registered #4Lender: Stephen Robert Jones
- 2018-04-20🔒Charge registered #3Lender: Igf Invoice Finance Limited
- 2018-04-20🔓Charge satisfied #2
- 2014-03-31➖PEARCE, Christopher Geoffrey resigneddirector
- 2013-02-19➖BARDWELL, James William resignedsecretary
- 2013-02-19➖BARDWELL, James William resigneddirector
- 1999-01-15➖JONES, Louisa Cicely May resigneddirector
- 1997-04-01➕BARDWELL, James William appointedsecretary
- 1997-04-01➖PEARCE, Christopher Geoffrey resignedsecretary
- 1996-05-31➖SYMONDS, Allen Norman resigneddirector
- 1993-05-01➕BARDWELL, James William appointeddirector
- 1993-05-01➕JONES, Timothy John appointeddirector
- 1993-02-09➖JONES, Gordon Philip resigneddirector
- 1987-07-13🔒Charge registered #2Lender: National Westminster Bank PLC
- 1981-10-01🔒Charge registered #1Lender: Lloyds Bank LTD
- 1962-12-19🏢Company incorporatedAs ALBERT E.JAMES & SON 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.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 63 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Albert E. James & Son Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Albert E. James & Son Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 20/04/2018 |
2 historic (ceased) PSCs
- Mr Stephen Robert Jonesceased 20/04/2018· 25-50% shares · 25-50% voting · board control · significant influence
- Mr Timothy John Jonesceased 20/04/2018· 25-50% shares · 25-50% voting · board control · significant influence
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.
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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 →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 (1 active · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 12/08/2020 | — | |
| satisfied | Stephen Robert Jones / Timothy John Jones | A registered charge | — | 20/04/2018 | 06/04/2021 | |
| satisfied | Igf Invoice Finance Igf Invoice Finance Limited | A registered charge | 3 properties | 20/04/2018 | 08/11/2022 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 13/07/1987 | 20/04/2018 | |
| outstanding | Lloyds Banking Group Lloyds Bank LTD | Single debenture | 1 property | 01/10/1981 | — |