BANNER HARDWARE LIMITED

🌳Matureactive
01984649 · ltd · incorporated 1986-01-31
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 40.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2024
Net worth
£424.2k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: SIC 46740
Sector: Wholesale & retail
Investor take
Pursue
Asset-holding vehicle with a 89-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (93/100, director aged 89). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 40.3y

70/100
ready

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

  • · Oldest live charge is 40.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
105 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
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £424,239
Very low cash
Cash position: £2

Key financials

1 year extracted from filed iXBRL accounts
Cash
£2
Net Worth
£424k
Current Assets
£486k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-05-31
Total assets£442.2k
Current assets£486.3k
Cash£2
Debtors£116.3k
Net assets£424.2k

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-11-05
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  2. 2025-11-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2025-11-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2025-11-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2025-11-05
    🔓
    Charge satisfied #5
  6. 2025-11-05
    🔓
    Charge satisfied #4
  7. 2025-11-05
    🔓
    Charge satisfied #3
  8. 2025-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-02-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-01-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2021-05-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-02-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-02-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-02-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2016-02-29
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  19. 2016-02-27
    🔓
    Charge satisfied #2
  20. 2016-02-27
    🔓
    Charge satisfied #1
  21. 2003-01-08
    🔒
    Charge registered #5
    Lender: Lloyds Tsb Bank PLC
  22. 2003-01-08
    🔒
    Charge registered #4
    Lender: Lloyds Tsb Bank PLC
  23. 2002-11-19
    🔒
    Charge registered #3
    Lender: Lloyds Tsb Bank PLC
  24. 2000-03-24
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  25. 2000-01-18
    ➕
    UREN, Peter James Neil appointed
    director
  26. 1986-03-20
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  27. 1986-01-31
    🏢
    Company incorporated
    As BANNER HARDWARE LIMITED

Owner dependency

91/100
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.
  • +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 89 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 89 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 40 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
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Alan John Uren
Individual · British · DOB 02/1937 · age 89
75–100%
—75-100% shares06/04/2016

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 →

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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
Incorporated1986-01-31
Jurisdictionengland-wales
Primary SIC46740 — SIC 46740

Registered office

Chargrove House Main Road
Shurdington
Cheltenham
GL51 4GA
England

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-05-31
Confirmation statement
Next due: 2027-01-14
Last: 2025-12-31

Officers (3 active · 0 resigned)

GUTHRIE, Graeme Malcolm→
secretary
View their other companies + combined net worth →
Active
UREN, Alan John→
director · ~89y
View their other companies + combined net worth →
Active
UREN, Peter James Neil→
director · ~61y · appointed 2000-01-18
View their other companies + combined net worth →
Active

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

Mortgages & charges

5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Debenture deed1 property08/01/200305/11/2025
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed2 properties08/01/200305/11/2025
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Automated transfer and set-off letter1 property19/11/200205/11/2025
satisfied
Barclays
Barclays Bank PLC
Legal charge2 properties24/03/200027/02/2016
satisfied
Barclays
Barclays Bank PLC
Debenture1 property20/03/198627/02/2016

Recent filings (105 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-16
change-account-reference-date-company-current-extended
accounts · AA01
2025-11-05
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-05
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-05
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-25