A.S. HARMAN LIMITED
- · Oldest live charge 53.1y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (80/100, director aged 60). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 53.1y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 53.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (72/100)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
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 |
|---|---|
| Average employees | 2 |
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
- • 2 accounts
- • 2 accounts
Corporate timeline (30 events)Click to expand
- 2026-03-19📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2026-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-05🔓Charge satisfied #3
- 2025-06-05🔓Charge satisfied #2
- 2025-06-05🔓Charge satisfied #1
- 2025-03-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-25➕HARMAN, Hannah Claire appointeddirector
- 2024-10-25➖HARMAN, Daniel Anthony resigneddirector
- 2024-03-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-05📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2021-03-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-06-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2008-09-30➕HARMAN, Ben Mcleod appointeddirector
- 2003-04-24➖HARMAN, Matthew Richard resigneddirector
- 2001-05-09🔒Charge registered #3Lender: Barclays Bank PLC
- 1999-05-08➖HARMAN, Anthony Shannon resigneddirector
- 1993-11-30🔒Charge registered #2Lender: Barclays Bank PLC
- 1973-04-04🔒Charge registered #1Lender: The Agricultural Mortgage Corporation Limited.
- 1973-02-06🏢Company incorporatedAs A.S. HARMAN 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 "HARMAN" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ben Mcleod Harman Individual · British · DOB 06/1970 · age 56 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Mr Daniel Anthony Harmanceased 25/10/2024· 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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6 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 (3 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 09/05/2001 | 05/06/2025 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 30/11/1993 | 05/06/2025 | |
| satisfied | The Agricultural Mortgage Corporation . The Agricultural Mortgage Corporation Limited. | Charge | 2 properties | 04/04/1973 | 05/06/2025 |