A.M. SMITH (SPARVIL HOMES) LIMITED
🌳Matureactive
01046372 · ltd · incorporated 1972-03-16
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 43.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 75/100 (strong), bankability 70/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 9 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
10 live charges · oldest 43.3y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 43.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 40/100 — 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
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
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
113 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Average employees | 2 | 200 |
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
8
filings
- • 6 officers
- • 1 persons-with-significant-control
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-03-12📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-04📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-03-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-03📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-03📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-03-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-26➕SMITH, Clayton Maxwell appointeddirector
- 2025-07-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-03📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-01-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-23📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-03-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 1996-09-27🔓Charge satisfied #5
- 1991-01-31🔒Charge registered #10Lender: National Westminster Bank PLC
- 1988-12-19🔒Charge registered #9Lender: National Westminster Bank PLC
- 1988-12-19🔒Charge registered #8Lender: National Westminster Bank PLC
- 1984-11-23🔒Charge registered #7Lender: National Westminster Bank PLC
- 1984-07-09🔒Charge registered #6Lender: National Westminster Bank PLC
- 1983-10-14🔒Charge registered #5Lender: National Westminster Bank PLC
- 1983-10-14🔒Charge registered #3Lender: National Westminster Bank PLC
- 1983-10-03🔒Charge registered #4Lender: National Westminster Bank PLC
- 1983-02-09🔒Charge registered #2Lender: National Westminster Bank PLC
- 1983-02-09🔒Charge registered #1Lender: National Westminster Bank PLC
- 1972-03-16🏢Company incorporatedAs A.M. SMITH (SPARVIL HOMES) LIMITED
Owner dependency
88/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Founder name in company name: Company name contains director surname "SMITH" — strong identity link between founder and business.
- +Founder age: Director aged approximately 84 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
20/100
No succession signalNo meaningful acquirability indicators from public data.
SIGNALS
- primaryFamily succession underway: Not a takeover target — SMITH, Clayton Maxwell (same surname) appointed 2026-02-26. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
Red flags
1 low9 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sheila Phylis Smith Individual · British · DOB 02/1943 · age 83 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Adrian Maxwell Smith Individual · British · DOB 06/1942 · age 84 | 25–50% | 25–50% | sig. influence25-50% shares · 25-50% voting · significant influence | 06/04/2016 |
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 →Similar companies
Active · Construction · BA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AEQUUS CONSTRUCTION LIMITED→ 10832066 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AGRIBUILD CONSTRUCTION LIMITED→ 04068850 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| AIS ELECTRICAL LIMITED→ 16364148 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AJ BODY SHOP LIMITED→ 14964434 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AJS HOME IMPROVEMENTS LIMITED→ 05607536 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ALAN BUTCHER LIMITED→ 13541557 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALBINO INVESTMENTS LIMITED→ 01285207 · est 1976 · no financials extracted | — | — | — | — | 49y | — | — |
| ALBRACONSTRUCTION LTD→ 16329336 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALCHEMY SERVICES LIMITED→ 05905086 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ALFORD EXPLOSIVE DEMOLITION LIMITED→ 12885894 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ALL ASPECT BUILDERS (BATH) LTD→ 09708943 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ALL ASPECTS GLASS AND GLAZING LIMITED→ 14274756 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1972-03-16
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects
Registered office
Maltravers House
Petters Way
Yeovil
BA20 1SH
England
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-07-09
Last: 2025-06-25
Officers (4 active · 0 resigned)
Active
Active
SMITH, Clayton Maxwell→
Activedirector · ~54y · appointed 2026-02-26
View their other companies + combined net worth →
Active
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
9
Outstanding
1
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 31/01/1991 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 19/12/1988 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 19/12/1988 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 23/11/1984 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 09/07/1984 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 14/10/1983 | 27/09/1996 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 14/10/1983 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 03/10/1983 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 2 properties | 09/02/1983 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 09/02/1983 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (113 total)
change-person-director-company-with-change-date
officers · CH01
2026-03-12
appoint-person-director-company-with-name-date
officers · AP01
2026-03-12
change-person-director-company-with-change-date
officers · CH01
2026-03-04
change-person-secretary-company-with-change-date
officers · CH03
2026-03-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-03
change-person-director-company-with-change-date
officers · CH01
2026-03-03
change-person-secretary-company-with-change-date
officers · CH03
2026-03-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-02
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-03
change-person-director-company-with-change-date
officers · CH01
2025-07-03
change-person-director-company-with-change-date
officers · CH01
2025-07-03
change-person-secretary-company-with-change-date
officers · CH03
2025-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-13
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-07-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-08