A.R. ASPINALL & SONS LIMITED
🌳Matureactive
01188074 · ltd · incorporated 1974-10-22
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 43.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£2.49M
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Retail sale of hardware, paints and glass in specialised stores
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 73/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
7 live charges · 2 lenders · oldest 43.0y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 43.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
128 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
60
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £2,485,635
Cash YoY
+7%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£714k
↑ 7.3% YoY
Net Worth
£2.5m
~ YoY
Current Assets
£2.0m
↑ 6.6% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £2.76M | £2.60M |
| Current assets | £1.97M | £1.85M |
| Cash | £713.9k | £665.3k |
| Debtors | £726.2k | £822.0k |
| Net assets | £2.49M | £2.46M |
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
1
filing
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-01-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-07🔒Charge registered #7Lender: Lloyds Bank PLC
- 2026-01-07🔒Charge registered #6Lender: Lloyds Bank PLC
- 2025-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-30📄resolutionresolution · RESOLUTIONS
- 2025-05-30📄memorandum-articlesincorporation · MA
- 2025-05-30📄statement-of-companys-objectschange-of-constitution · CC04
- 2025-05-30📄capital-name-of-class-of-sharescapital · SH08
- 2025-05-30📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-04-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-03-29📄capital-name-of-class-of-sharescapital · SH08
- 2024-03-29📄memorandum-articlesincorporation · MA
- 2024-03-27📄statement-of-companys-objectschange-of-constitution · CC04
- 2024-03-27📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2023-10-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-10-13🔓Charge satisfied #5
- 2023-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-14➖ASPINALL, Anthony Roy resigneddirector
- 2019-03-06➖ASPINALL, Linda Joy resignedsecretary
- 2018-10-31➕ASPINALL, Aiden Ryan appointeddirector
- 2010-08-05🔒Charge registered #5Lender: Lloyds Tsb Bank PLC
- 1998-03-24🔒Charge registered #4Lender: Lloyds Bank PLC
- 1998-03-06➖ASPINALL, Nigel resigneddirector
- 1995-09-18➕ASPINALL, Andrew Roy appointeddirector
- 1993-12-24➖ASPINALL, Arthur Rupert resigneddirector
- 1990-08-21🔒Charge registered #3Lender: Lloyds Bank PLC
- 1984-06-08🔒Charge registered #2Lender: Lloyds Bank PLC
- 1983-06-15🔒Charge registered #1Lender: Lloyds Bank PLC
- 1974-10-22🏢Company incorporatedAs A.R. ASPINALL & SONS LIMITED
Owner dependency
91/100
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
- +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 "ASPINALL" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 31 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 low6 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 Beth Maria Anna Aspinall Individual · British · DOB 02/1972 · age 54 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/03/2023 |
Mr Andrew Roy Aspinall Individual · British · DOB 06/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/03/2019 |
1 historic (ceased) PSC
- Mr Anthony Roy Aspinallceased 01/03/2019· 75-100% shares
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
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|---|---|---|---|---|---|---|---|
| AJWA DELIGHTS LIMITED→ 16413521 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AL HIDAYAH ASIAN GROCERY LIMITED→ 12969623 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AL POMODORO D LTD→ 16199195 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALBION EXOTICS LIMITED→ 15964579 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALI SUPERMARKET LTD→ 06873968 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| ALL SEASONS CAKES AND DECO LTD→ 16226156 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALUNA HOME LTD→ 16646664 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMADORA BABY LTD→ 10209044 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AMBLESIDE LEISURE CORNER LTD→ 16341811 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMBRIT ENTERPRISES LIMITED→ 07850523 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AMBRIT KIDS LIMITED→ 06428164 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| AMCO CAMBRIDGE LIMITED→ 16846689 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated1974-10-22
Jurisdictionengland-wales
Primary SIC47520 — Retail sale of hardware, paints and glass in specialised stores
Registered office
Lewis House
Great Chesterford Court
Great Chesterford
Essex
CB10 1PF
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-14
Last: 2026-03-31
Officers (2 active · 4 resigned)
ASPINALL, Aiden Ryan→
Activedirector · ~30y · appointed 2018-10-31
View their other companies + combined net worth →
ASPINALL, Andrew Roy→
Activedirector · ~56y · appointed 1995-09-18
View their other companies + combined net worth →
ASPINALL, Linda Joy→
Resignedsecretary · resigned 2019-03-06
ASPINALL, Anthony Roy→
Resigneddirector · ~82y · resigned 2019-03-14
ASPINALL, Arthur Rupert→
Resigneddirector · ~114y · resigned 1993-12-24
ASPINALL, Nigel→
Resigneddirector · ~72y · resigned 1998-03-06
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
6
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 07/01/2026 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 07/01/2026 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 05/08/2010 | 13/10/2023 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Mortgage deed | 2 properties | 24/03/1998 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 21/08/1990 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 08/06/1984 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 15/06/1983 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (128 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-05
resolution
resolution · RESOLUTIONS
2025-05-30
memorandum-articles
incorporation · MA
2025-05-30
statement-of-companys-objects
change-of-constitution · CC04
2025-05-30
capital-name-of-class-of-shares
capital · SH08
2025-05-30
capital-variation-of-rights-attached-to-shares
capital · SH10
2025-05-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-02