A. & I. ROWLANDS LIMITED
- · Oldest live charge 39.3y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · oldest 39.3y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 39.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £2.64M | £2.31M |
| Current assets | £1.91M | £1.88M |
| Cash | £998.6k | £924.5k |
| Debtors | £618.8k | £580.1k |
| Net assets | £2.45M | £2.16M |
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 confirmation-statement
Corporate timeline (26 events)Click to expand
- 2025-07-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-08-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-12-13📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-04📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-10-01📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-11-24📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-08-22📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-11-22📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2007-07-22➕ROWLANDS, Rodney Stephen appointedsecretary
- 2007-07-22➖ROWLANDS, Robert Dylan resignedsecretary
- 2007-07-22➖ROWLANDS, Robert Dylan resigneddirector
- 2004-02-18➖ROWLANDS, Iris Christine resignedsecretary
- 2004-02-18➕ROWLANDS, Robert Dylan appointedsecretary
- 1998-04-08🔒Charge registered #3Lender: Barclays Bank PLC
- 1995-08-24➖ROWLANDS, Iris Christine resigneddirector
- 1995-08-24➕ROWLANDS, Robert Dylan appointeddirector
- 1995-03-27🔒Charge registered #2Lender: Barclays Bank PLC
- 1987-01-23🔒Charge registered #1Lender: Barclays Bank PLC
- 1980-03-13🏢Company incorporatedAs A. & I. ROWLANDS LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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 "ROWLANDS" — strong identity link between founder and business.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 46 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Rodney Stephen Rowlands Individual · British · DOB 09/1957 · age 69 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Ian Davis Rowlands Individual · British · DOB 06/1964 · age 62 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 08/04/1998 | — | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 27/03/1995 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 2 properties | 23/01/1987 | — |