A.E. BOWRING & SONS LIMITED
- · Thesis: well-run, low negotiation leverage
- 01130SIC 01130
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (83/100, director aged 82). 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: share sale to pe / searcher (73/100).
Refinance opportunity
4 live charges · 4 lenders · oldest 48.4y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 48.4 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 (78/100)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 · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | — | £2.23M |
| Current assets | — | £1.08M |
| Cash | — | £308.1k |
| Debtors | — | £150.6k |
| Net assets | — | £1.87M |
| Average employees | 3 | — |
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 accounts
- • 1 accounts
Corporate timeline (36 events)Click to expand
- 2026-02-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-02-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-06-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-06-27📄change-person-director-company-with-change-dateofficers · CH01
- 2017-06-27📄change-person-director-company-with-change-dateofficers · CH01
- 2009-09-30➖BOWRING, Alistair James resigneddirector
- 2009-09-07➖BOWRING, Dawn Marguerite resigneddirector
- 2009-03-26🔓Charge satisfied #3
- 2009-03-26🔓Charge satisfied #2
- 2009-03-18➖BOWRING, Dallas Elaine resignedsecretary
- 2009-03-18➖BOWRING, Dallas Elaine resigneddirector
- 2009-03-18➖BOWRING, Nicholas Roger resigneddirector
- 2009-03-18➖BOWRING, Roger Albert resigneddirector
- 2009-03-18🔒Charge registered #4Lender: National Westminster Bank PLC
- 2009-03-14➕BOWRING, John Arthur appointeddirector
- 2009-03-14➕BOWRING, Sandra appointeddirector
- 2009-03-14➕BOWRING, Alistair James appointeddirector
- 2008-03-10➕BOWRING, Nicholas Roger appointeddirector
- 2008-02-04➖BOWRING, John Arthur resigneddirector
- 2008-02-04➖BOWRING, Sandra resigneddirector
- 1996-08-24➖BOWRING, Albert Edward resigneddirector
- 1988-06-16🔒Charge registered #3Lender: The Agricultural Mortgage Corportion PLC
- 1988-06-16🔒Charge registered #2Lender: The Agricultural Mortgage Corporation PLC
- 1977-12-20🔒Charge registered #1Lender: National Westminster Bank LTD
- 1967-05-19🏢Company incorporatedAs A.E. BOWRING & 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.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "BOWRING" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 82 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 82 years old. Natural succession window is now.
- 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 59 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 · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Multiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Arthur Bowring Individual · British · DOB 06/1944 · age 82 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
Mrs Sandra Bowring Individual · British · DOB 10/1948 · age 78 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (2 active · 9 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 | Legal charge | 1 property | 18/03/2009 | — | |
| satisfied | The Agricultural Mortgage Corportion The Agricultural Mortgage Corportion PLC | Further charge | 1 property | 16/06/1988 | 26/03/2009 | |
| satisfied | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | Legal charge | 1 property | 16/06/1988 | 26/03/2009 | |
| outstanding | National Westminster Bank National Westminster Bank LTD | Mortgage debenture | 1 property | 20/12/1977 | — |