ARMSTRONG-MASSEY LIMITED

🌳Matureactive
00765540 · ltd · incorporated 1963-06-26
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: SIC 45112
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 45200SIC 45200
  • 45320Retail trade of motor vehicle parts and accessories
Investor take
Pursue
Active trading company with a 78-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (93/100, director aged 78). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 10 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

16 live charges · 10 lenders · oldest 43.6y

35/100
too messy

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

  • · Oldest live charge is 43.6 years old — likely at or near maturity.
  • · 10 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
16 charges (16/16 with lender, 16/16 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 5 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
152 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
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
—
£0£0£0£0£0£0Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-09-302024-09-30
Average employees303000

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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (55 events)Click to expand
  1. 2026-05-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-08-08
    📄
    second-filing-of-annual-return-with-made-up-date
    annual-return · RP04AR01
  4. 2024-04-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-04-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-04-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-06-22
    📄
    accounts-with-accounts-type-small
    accounts · AA
  9. 2019-12-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2019-12-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2019-12-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2019-03-18
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2018-05-09
    📄
    accounts-with-accounts-type-small
    accounts · AA
  14. 2017-12-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2017-06-26
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2015-11-26
    🔒
    Charge registered #16
    Lender: National Westminster Bank PLC
  17. 2015-07-30
    ➖
    BILLAM, Gavin Peter resigned
    director
  18. 2015-07-30
    🔓
    Charge satisfied #15
  19. 2015-07-30
    🔓
    Charge satisfied #14
  20. 2015-07-30
    🔓
    Charge satisfied #12
  21. 2015-07-30
    🔓
    Charge satisfied #1
  22. 2011-10-11
    🔒
    Charge registered #15
    Lender: National Westminster Bank PLC
  23. 2009-08-19
    🔓
    Charge satisfied #13
  24. 2009-08-14
    🔒
    Charge registered #14
    Lender: National Westminster Bank PLC
  25. 2009-05-18
    ➖
    TURNER, David Keith resigned
    director
  26. 2008-10-17
    ➕
    TURNER, Christopher James appointed
    director
  27. 2002-03-07
    🔓
    Charge satisfied #11
  28. 2002-03-07
    🔓
    Charge satisfied #10
  29. 2002-03-07
    🔓
    Charge satisfied #8
  30. 2002-03-07
    🔓
    Charge satisfied #7
  31. 2002-03-07
    🔓
    Charge satisfied #6
  32. 2002-03-07
    🔓
    Charge satisfied #5
  33. 2002-03-07
    🔓
    Charge satisfied #4
  34. 2002-03-01
    🔒
    Charge registered #13
    Lender: Fce Bank PLC
  35. 2001-02-26
    🔒
    Charge registered #12
    Lender: National Westminster Bank PLC
  36. 1999-10-16
    🔓
    Charge satisfied #9
  37. 1999-04-26
    🔒
    Charge registered #11
    Lender: Whiteway Laidlaw Bank Limited
  38. 1999-02-01
    ➕
    POPELY, Victoria Louise appointed
    secretary
  39. 1998-10-31
    ➖
    MATHER, Glenn resigned
    secretary
  40. 1998-10-31
    ➖
    MATHER, Glenn resigned
    director
  41. 1998-09-16
    🔒
    Charge registered #10
    Lender: Rover Financial Services (GB) Limited
  42. 1997-05-19
    🔒
    Charge registered #9
    Lender: Lombard North Central PLC
  43. 1997-04-02
    🔒
    Charge registered #8
    Lender: Esso Petroleum Company Limited
  44. 1994-06-30
    ➕
    TURNER, Diane Mary appointed
    director
  45. 1994-06-30
    ➕
    BILLAM, Gavin Peter appointed
    director
  46. 1994-03-30
    🔒
    Charge registered #7
    Lender: Burmah Castrol Trading Limited
  47. 1991-06-28
    🔒
    Charge registered #6
    Lender: Portcombe Finance Limited
  48. 1990-12-18
    🔒
    Charge registered #5
    Lender: National Westminster Bank PLC
  49. 1990-03-03
    🔓
    Charge satisfied #2
  50. 1990-02-21
    🔓
    Charge satisfied #3
Showing most recent 50 of 55 events

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 78 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
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 78 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 63 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.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Christopher James Turner
Individual · British · DOB 08/1983 · age 43
50–75%
—50-75% shares06/04/2016
Mrs Diane Mary Turner
Individual · British · DOB 10/1948 · age 78
25–50%
—25-50% shares06/04/2016

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 →

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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
Incorporated1963-06-26
Jurisdictionengland-wales
Primary SIC45112 — SIC 45112

Registered office

28a North Bar Within
Beverley
North Humberside
HU17 8DL

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-12-29
Last: 2025-12-15

Officers (3 active · 4 resigned)

POPELY, Victoria Louise→
secretary · appointed 1999-02-01
View their other companies + combined net worth →
Active
TURNER, Christopher James→
director · ~43y · appointed 2008-10-17
View their other companies + combined net worth →
Active
TURNER, Diane Mary→
director · ~78y · appointed 1994-06-30
View their other companies + combined net worth →
Active
MATHER, Glenn→
secretary · resigned 1998-10-31
Resigned
BILLAM, Gavin Peter→
director · ~75y · appointed 1994-06-30 · resigned 2015-07-30
Resigned
MATHER, Glenn→
director · ~73y · resigned 1998-10-31
Resigned
TURNER, David Keith→
director · ~82y · resigned 2009-05-18
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

16
Total charges
1
Outstanding
1
Active lenders
Status:Lender:16 of 16 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge—26/11/2015—
satisfied
National Westminster Bank
National Westminster Bank PLC
Charge of deposit1 property11/10/201130/07/2015
satisfied
National Westminster Bank
National Westminster Bank PLC
Debenture1 property14/08/200930/07/2015
satisfied
Fce Bank
Fce Bank PLC
Charge on vehicle stocks1 property01/03/200219/08/2009
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property26/02/200130/07/2015
satisfied
Whiteway Laidlaw Bank
Whiteway Laidlaw Bank Limited
Legal charge1 property26/04/199907/03/2002
satisfied
Rover Financial Services (GB)
Rover Financial Services (GB) Limited
Floating charge1 property16/09/199807/03/2002
satisfied
Lombard North Central
Lombard North Central PLC
Floating charge over stock1 property19/05/199716/10/1999
satisfied
Esso Petroleum Company
Esso Petroleum Company Limited
Legal charge2 properties02/04/199707/03/2002
satisfied
Burmah Castrol Trading
Burmah Castrol Trading Limited
Legal charge1 property30/03/199407/03/2002
satisfied
Portcombe Finance
Portcombe Finance Limited
Mortgage1 property28/06/199107/03/2002
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property18/12/199007/03/2002
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property08/06/198807/03/2002
satisfied
Shell U.K. .
Shell U.K. Limited.
Legal charge1 property04/04/198521/02/1990
satisfied
Leoyds & Scottise Trust
Leoyds & Scottise Trust Limited
Debenture1 property27/05/198303/03/1990
satisfied
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property07/12/198230/07/2015
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (152 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-07
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-17
second-filing-of-annual-return-with-made-up-date
annual-return · RP04AR01
2024-08-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-23
confirmation-statement
confirmation-statement · CS01
2021-12-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-21
accounts-with-accounts-type-small
accounts · AA
2020-06-22
change-person-director-company-with-change-date
officers · CH01
2019-12-19