AVON & WESSEX MOTOR FACTORS LIMITED

🌳Matureactive
01174681 · ltd · incorporated 1974-06-20
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 44.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£390.2k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: SIC 45310
Sector: Wholesale & retail
Investor take
Pursue
Asset-holding vehicle with a 83-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 83). 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 44.9y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 44.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 23/100 — clean.

Data confidence

Overall: high (80/100)

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

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 6 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
122 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £390,189
Cash YoY
+77%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£363k
↑ 77% YoY
Net Worth
£390k
↑ 3.0% YoY
Current Assets
£612k
↑ 13% YoY
Current Liabilities
—
£0£122k£245k£367k£490k£612kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£390.2k£379.6k
Current assets£611.9k£541.5k
Cash£362.7k£204.8k
Debtors£96.5k£100.8k
Net assets£390.2k£379.0k

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
2
filings
  • • 1 officers
  • • 1 accounts
Last 180 days
2
filings
  • • 1 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-05-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2026-04-30
    ➖
    CHARD, Samuel John, Mr. resigned
    director
  3. 2026-03-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2025-12-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-12-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2025-12-11
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  7. 2025-08-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2025-05-28
    ➖
    CHARD, Linda Ann resigned
    secretary
  9. 2025-05-28
    ➖
    CHARD, Ann resigned
    director
  10. 2025-01-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2024-12-06
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2024-05-20
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2024-05-20
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2024-05-20
    🔓
    Charge satisfied #3
  15. 2024-05-20
    🔓
    Charge satisfied #2
  16. 2024-01-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2023-06-07
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2022-03-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  19. 2020-12-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  20. 2020-11-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2020-08-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  22. 2020-08-21
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  23. 2020-01-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  24. 2018-11-06
    ➕
    CHARD, Samuel John, Mr. appointed
    director
  25. 2000-10-01
    ➖
    CHARD, Ann resigned
    secretary
  26. 2000-10-01
    ➕
    CHARD, Linda Ann appointed
    secretary
  27. 2000-03-16
    ➕
    CHARD, Linda Ann appointed
    director
  28. 1999-09-30
    ➖
    DUNFORD, Linda Ann Chard resigned
    director
  29. 1997-10-01
    ➕
    CHARD, Kevin John, Mr. appointed
    director
  30. 1997-10-01
    ➕
    DUNFORD, Linda Ann Chard appointed
    director
  31. 1995-09-18
    🔒
    Charge registered #3
    Lender: Barclays Bank PLC
  32. 1988-03-10
    🔓
    Charge satisfied #1
  33. 1988-01-05
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  34. 1981-07-24
    🔒
    Charge registered #1
    Lender: Midland Bank PLC
  35. 1974-06-20
    🏢
    Company incorporated
    As AVON & WESSEX MOTOR FACTORS LIMITED

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 83 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
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 83 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 52 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr John Henry Chard
Individual · British · DOB 03/1943 · age 83
75–100%
75–100%board control75-100% shares · 75-100% voting · board control11/12/2016
1 historic (ceased) PSC
  • Mrs Ann Chardceased 28/05/2025· 25-50% shares · 25-50% voting

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
Incorporated1974-06-20
Jurisdictionengland-wales
Primary SIC45310 — SIC 45310

Registered office

Unit 31 Westfield Trading Estate
Midsomer Norton
Bath Bath & North East Somerset
BA3 4BS

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-12-25
Last: 2025-12-11

Officers (3 active · 5 resigned)

CHARD, John Henry→
director · ~83y
View their other companies + combined net worth →
Active
CHARD, Kevin John, Mr.→
director · ~58y · appointed 1997-10-01
View their other companies + combined net worth →
Active
CHARD, Linda Ann→
director · ~56y · appointed 2000-03-16
View their other companies + combined net worth →
Active
CHARD, Ann→
secretary · resigned 2000-10-01
Resigned
CHARD, Linda Ann→
secretary · appointed 2000-10-01 · resigned 2025-05-28
Resigned
CHARD, Ann→
director · ~80y · resigned 2025-05-28
Resigned
CHARD, Samuel John, Mr.→
director · ~33y · appointed 2018-11-06 · resigned 2026-04-30
Resigned
DUNFORD, Linda Ann Chard→
director · ~56y · appointed 1997-10-01 · resigned 1999-09-30
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property18/09/199520/05/2024
satisfied
Barclays
Barclays Bank PLC
Debenture1 property05/01/198820/05/2024
satisfied
Midland Bank
Midland Bank PLC
Charge1 property24/07/198110/03/1988

Recent filings (122 total)

termination-director-company-with-name-termination-date
officers · TM01
2026-05-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-26
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-11
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-11
termination-secretary-company-with-name-termination-date
officers · TM02
2025-12-11
termination-director-company-with-name-termination-date
officers · TM01
2025-08-26
change-person-director-company-with-change-date
officers · CH01
2025-01-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-06
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-01-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-06-07