ADAMS AUTO LIMITED
- · Oldest live charge 4.2y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
1 live charge · oldest 4.2y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.2 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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.
Key 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 | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Average employees | 600 | 500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 accounts
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (24 events)Click to expand
- 2026-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-07🔒Charge registered #1Lender: Lloyds Bank PLC
- 2021-10-01📄resolutionresolution · RESOLUTIONS
- 2021-09-30📄memorandum-articlesincorporation · MA
- 2021-09-30📄capital-name-of-class-of-sharescapital · SH08
- 2021-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2018-01-30📄change-person-director-company-with-change-dateofficers · CH01
- 2017-08-31➖ADAMS, Martine Frances resignedsecretary
- 2017-08-31➖ADAMS, Derek Robert resigneddirector
- 2017-08-31➖ADAMS, Martine Frances resigneddirector
- 2012-03-02➕ADAMS, Emma appointeddirector
- 2012-03-02➕ADAMS, Robert John appointeddirector
- 1983-07-04🏢Company incorporatedAs ADAMS AUTO 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 "ADAMS" — strong identity link between founder and business.
- +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.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- secondaryStable-but-static management: Company is 43 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robert John Adams Individual · British · DOB 02/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/04/2025 |
Ms Emma Adams Individual · British · DOB 12/1976 · age 50 | 25–50% | 25–50% | sig. influence25-50% shares · 25-50% voting · significant influence | 06/07/2017 |
1 historic (ceased) PSC
- Mrs Martine Frances Adamsceased 31/08/2017· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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6 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 (2 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 07/02/2022 | — |