A. J. HOWARD LIMITED

🌳Matureactive
01290701 · ltd · incorporated 1976-12-15
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 39.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (78/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 39.1y

85/100
ready

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

  • · Oldest live charge is 39.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (77/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 5 with DOB)
81
Ownership & PSC
0 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
113 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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees100100

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

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 (33 events)Click to expand
  1. 2025-12-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2025-12-06
    ➖
    HOWARD, Daphne resigned
    director
  3. 2025-07-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-07-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-09-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-08-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-11-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-11-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-10-19
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  10. 2020-10-19
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  11. 2020-09-25
    ➕
    MCKILLOP, Yvette Anne appointed
    secretary
  12. 2020-09-25
    ➖
    HOWARD, Jacqueline resigned
    secretary
  13. 2020-05-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2019-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2018-12-21
    📄
    notification-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC08
  16. 2018-12-21
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2018-12-21
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2018-12-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2018-04-26
    ➖
    HOWARD, John Dobson resigned
    director
  20. 2017-12-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2013-09-12
    ➕
    HOWARD, Jacqueline appointed
    director
  22. 2013-09-12
    ➕
    HOWARD, Jennifer Margaret appointed
    director
  23. 2013-09-12
    ➕
    HOWARD, Daphne appointed
    director
  24. 2013-04-11
    ➖
    HOWARD, Arthur Kaye resigned
    director
  25. 2012-06-20
    ➕
    HOWARD, Jacqueline appointed
    secretary
  26. 2012-06-20
    ➖
    NICHOLSON, Timothy Paulett Stanley resigned
    secretary
  27. 2008-07-19
    🔓
    Charge satisfied #2
  28. 2004-05-07
    ➖
    HOWARD, Arthur Kaye resigned
    secretary
  29. 2004-05-07
    ➕
    NICHOLSON, Timothy Paulett Stanley appointed
    secretary
  30. 1998-01-19
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  31. 1991-04-30
    🔓
    Charge satisfied #1
  32. 1987-05-14
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  33. 1976-12-15
    🏢
    Company incorporated
    As A. J. HOWARD LIMITED

Owner dependency

96/100
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
  • +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 "HOWARD" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 years.
  • secondaryStable-but-static management: Company is 50 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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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 →
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Company details

Statusactive
Typeltd
Incorporated1976-12-15
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Wansbeck Lodge 9a Church Street Wansbeck Lodge
9a Church Street
Holt
Norfolk
NR25 6BB
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04

Officers (3 active · 6 resigned)

MCKILLOP, Yvette Anne→
secretary · appointed 2020-09-25
View their other companies + combined net worth →
Active
HOWARD, Jacqueline→
director · ~66y · appointed 2013-09-12
View their other companies + combined net worth →
Active
HOWARD, Jennifer Margaret→
director · ~63y · appointed 2013-09-12
View their other companies + combined net worth →
Active
HOWARD, Arthur Kaye→
secretary · resigned 2004-05-07
Resigned
HOWARD, Jacqueline→
secretary · appointed 2012-06-20 · resigned 2020-09-25
Resigned
NICHOLSON, Timothy Paulett Stanley→
secretary · appointed 2004-05-07 · resigned 2012-06-20
Resigned
HOWARD, Arthur Kaye→
director · ~95y · resigned 2013-04-11
Resigned
HOWARD, Daphne→
director · ~94y · appointed 2013-09-12 · resigned 2025-12-06
Resigned
HOWARD, John Dobson→
director · ~88y · resigned 2018-04-26
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property19/01/199819/07/2008
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property14/05/198730/04/1991

Recent filings (113 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-20
termination-director-company-with-name-termination-date
officers · TM01
2025-12-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-14
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-16
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-17
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-03
termination-secretary-company-with-name-termination-date
officers · TM02
2020-10-19
appoint-person-secretary-company-with-name-date
officers · AP03
2020-10-19