A.J. GAMMOND LIMITED
Opportunity 78/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
9 live charges · 6 lenders · oldest 48.9y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 48.9 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — 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.
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 | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 1200 | 1200 |
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 (38 events)Click to expand
- 2026-05-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-12📄capital-allotment-sharescapital · SH01
- 2025-12-08➕GAMMOND, James Peter appointeddirector
- 2025-12-08➕GAMMOND, Thomas Bruce appointeddirector
- 2025-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-23📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-05-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-02-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-02-20🔓Charge satisfied #9
- 2018-02-20🔓Charge satisfied #8
- 2014-12-19🔒Charge registered #9Lender: Jcb Finance Limited
- 2014-12-19🔒Charge registered #8Lender: Jcb Finance Limited
- 2014-10-22➕GAMMOND, Thomas Bruce appointedsecretary
- 2014-10-22➖GAMMOND, David John resignedsecretary
- 2013-06-28➖GAMMOND, David John resigneddirector
- 2011-03-25🔒Charge registered #7Lender: Hsbc Bank PLC
- 2011-02-01🔒Charge registered #6Lender: Hsbc Asset Finance (UK) LTD and Hsbc Equipment Finance (UK) LTD
- 2007-02-15🔒Charge registered #5Lender: Hsbc Asset Finance (UK) Limited and Hsbc Equipment Finance (UK) Limited
- 2003-09-12🔒Charge registered #4Lender: Hsbc Bank PLC
- 2001-02-23➕GAMMOND, David John appointedsecretary
- 2001-02-23➖GAMMOND, Wendy resignedsecretary
- 1997-07-02➖GAMMOND, Alfred John resigneddirector
- 1997-07-02➖GAMMOND, Doreen Barbara resigneddirector
- 1997-04-25➕GAMMOND, Bruce Lewis appointeddirector
- 1986-06-18🔒Charge registered #3Lender: Midland Bank PLC
- 1986-01-30🔒Charge registered #2Lender: Midland Bank PLC
- 1977-08-18🔒Charge registered #1Lender: Midland Bank Limited
- 1973-09-25🏢Company incorporatedAs A.J. GAMMOND LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Founder name in company name: Company name contains director surname "GAMMOND" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
No meaningful acquirability indicators from public data.
- primaryFamily succession underway: Not a takeover target — GAMMOND, James Peter (same surname) appointed 2025-12-08. Pattern consistent with intra-family handover.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Bruce Lewis Gammond Individual · British · DOB 06/1964 · age 62 | 25–50% | — | 25-50% shares | 01/03/2017 |
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.
See pricing →Similar companies
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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 (4 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Jcb Finance Jcb Finance Limited | A registered charge | 1 property | 19/12/2014 | 20/02/2018 | |
| satisfied | Jcb Finance Jcb Finance Limited | A registered charge | — | 19/12/2014 | 20/02/2018 | |
| outstanding | HSBC Hsbc Bank PLC | Chattels mortgage | 1 property | 25/03/2011 | — | |
| outstanding | HSBC Hsbc Asset Finance (UK) LTD and Hsbc Equipment Finance (UK) LTD | Chattels mortgage | 1 property | 01/02/2011 | — | |
| outstanding | HSBC Hsbc Asset Finance (UK) Limited and Hsbc Equipment Finance (UK) Limited | Chattels mortgage | 1 property | 15/02/2007 | — | |
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 12/09/2003 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 18/06/1986 | — | |
| outstanding | Midland Bank Midland Bank PLC | Charge over all book debts | 1 property | 30/01/1986 | — | |
| outstanding | Midland Bank Midland Bank Limited | Floating charge | 1 property | 18/08/1977 | — |