A. & J. SPEELMAN LIMITED
🌳Matureactive
01235975 · ltd · incorporated 1975-12-02
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: SIC 47791
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 81-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
11 live charges · 7 lenders · oldest 41.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 41.6 years old — likely at or near maturity.
- · 7 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)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
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
7 officers (5 active, 7 linked, 6 with DOB)
87
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
135 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
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 | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Average employees | 700 | 500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
0
filings
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
- 2025-10-07📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-01-31📄memorandum-articlesincorporation · MA
- 2025-01-31📄capital-name-of-class-of-sharescapital · SH08
- 2025-01-31📄resolutionresolution · RESOLUTIONS
- 2025-01-31📄statement-of-companys-objectschange-of-constitution · CC04
- 2025-01-31📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2024-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-21🔓Charge satisfied #10
- 2022-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-13🔒Charge registered #11Lender: Trustees of the a & J Speelman Limited Pension Scheme
- 2021-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-01-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-03-28🔓Charge satisfied #9
- 2017-01-20🔓Charge satisfied #8
- 2015-07-24🔒Charge registered #10Lender: Union Bancaire Privee, Ubp Sa
- 2015-07-24🔒Charge registered #9Lender: Union Bancaire Privee, Ubp Sa
- 2015-07-22🔓Charge satisfied #7
- 2015-07-15➕MANN, John Cornford appointeddirector
- 2015-07-15➕ROCHMAN, John Howard appointeddirector
- 2013-02-22🔓Charge satisfied #3
- 2011-02-17🔓Charge satisfied #4
- 2010-10-29🔓Charge satisfied #6
- 2010-10-29🔓Charge satisfied #5
- 2010-01-04🔒Charge registered #8Lender: Hsbc Bank PLC
- 2009-11-26🔒Charge registered #7Lender: Hsbc Bank PLC
- 2004-03-23➖SPEELMAN, Alfred Alexander resigneddirector
- 2003-07-27➖SPEELMAN, Adelaide resigneddirector
- 2003-02-14🔓Charge satisfied #2
- 2003-02-14🔓Charge satisfied #1
- 2001-01-10🔒Charge registered #6Lender: Aib Group (UK) PLC
- 1999-02-12🔒Charge registered #5Lender: Aib Group (UK) P.L.C.
- 1999-02-12🔒Charge registered #4Lender: Aib Group (UK) P.L.C.
- 1993-04-07🔒Charge registered #3Lender: Close Brothers Limited
- 1985-11-11🔒Charge registered #2Lender: National Westminster Bank PLC
- 1984-12-17🔒Charge registered #1Lender: National Westminster Bank PLC
- 1975-12-02🏢Company incorporatedAs A. & J. SPEELMAN LIMITED
Owner dependency
78/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "SPEELMAN" — strong identity link between founder and business.
- +Founder age: Director aged approximately 81 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
- secondaryStable-but-static management: Company is 51 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
mediumMultiple 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 Jules Victor Speelman Individual · British · DOB 03/1945 · age 81 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 14/11/2016 |
1 historic (ceased) PSC
- Adele Therese Speelmanceased 12/12/2023· 50-75% shares · 50-75% 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 →Similar companies
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|---|---|---|---|---|---|---|---|
| A FISH NAMED FRED (UK) LTD→ 15202289 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABU TAMIM ALAWADHI LTD→ 16485778 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACCORD GO LTD→ 10963314 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ACTON SHOP LTD→ 16910244 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADAM FISH MONGER LIMITED→ 16815918 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADD OPERATIONS LTD→ 16338853 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ADRUAK LTD→ 13884511 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ADVANTAGES OF AGE LTD→ 11004006 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AEO GROUP LTD→ 16125572 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AFSANA CHOUDHURY LTD→ 12353824 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AGATSYA LTD→ 16810452 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGINA LIMITED→ 07760916 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
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
Incorporated1975-12-02
Jurisdictionengland-wales
Primary SIC47791 — SIC 47791
Registered office
Regina House
124 Finchley Road
London
NW3 5JS
United Kingdom
Filing status
Accounts
Next due: 2026-08-29
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-10
Last: 2025-11-26
Officers (5 active · 2 resigned)
Active
MANN, John Cornford→
Activedirector · ~67y · appointed 2015-07-15
View their other companies + combined net worth →
ROCHMAN, John Howard→
Activedirector · ~80y · appointed 2015-07-15
View their other companies + combined net worth →
Active
Active
SPEELMAN, Adelaide→
Resigneddirector · ~119y · resigned 2003-07-27
SPEELMAN, Alfred Alexander→
Resigneddirector · ~119y · resigned 2004-03-23
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
1
Outstanding
1
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Trustees of the a & J Speelman Pension Scheme Trustees of the a & J Speelman Limited Pension Scheme | A registered charge | 1 property | 13/09/2022 | — | |
| satisfied | Union Bancaire Privee, Ubp Sa | A registered charge | — | 24/07/2015 | 21/02/2023 | |
| satisfied | Union Bancaire Privee, Ubp Sa | A registered charge | 1 property | 24/07/2015 | 28/03/2017 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 04/01/2010 | 20/01/2017 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 26/11/2009 | 22/07/2015 | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Mortgage debenture | 1 property | 10/01/2001 | 29/10/2010 | |
| satisfied | Aib Group (UK) P.L.C. | Mortgage debenture | 1 property | 12/02/1999 | 29/10/2010 | |
| satisfied | Aib Group (UK) P.L.C. | Legal mortgage | 3 properties | 12/02/1999 | 17/02/2011 | |
| satisfied | Close Brothers Close Brothers Limited | Credit agreement | 1 property | 07/04/1993 | 22/02/2013 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 11/11/1985 | 14/02/2003 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 17/12/1984 | 14/02/2003 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (135 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-17
change-person-director-company-with-change-date
officers · CH01
2025-10-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-07
memorandum-articles
incorporation · MA
2025-01-31
capital-name-of-class-of-shares
capital · SH08
2025-01-31
resolution
resolution · RESOLUTIONS
2025-01-31
statement-of-companys-objects
change-of-constitution · CC04
2025-01-31
capital-variation-of-rights-attached-to-shares
capital · SH10
2025-01-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-29
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-21