A & A BUSINESS SUPPLIES LIMITED
Opportunity 82/100 (exceptional), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 30.2y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 30.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — 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.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Average employees | 1300 | 1300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 mortgage
- • 1 mortgage
- • 1 mortgage
Corporate timeline (34 events)Click to expand
- 2026-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-06🔒Charge registered #3Lender: Rbs Invoice Finance Limited
- 2025-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-07-04📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-04📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-04📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-04📄change-person-director-company-with-change-dateofficers · CH01
- 2023-07-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2008-04-07➖DAY, Desmond resigneddirector
- 2007-10-22➕DOWSE, Simon appointeddirector
- 2007-10-01➕YOUREN, Michael appointeddirector
- 2003-01-31➕DAY, Desmond appointeddirector
- 2002-06-19🔓Charge satisfied #1
- 2002-04-24🔒Charge registered #2Lender: National Westminster Bank PLC
- 1998-02-01➕WEATHERDON, Christopher appointeddirector
- 1996-03-13🔒Charge registered #1Lender: Lloyds Bank PLC
- 1996-01-24➕TAYLOR, Rosalyn Melanie appointedsecretary
- 1996-01-24➕TAYLOR, Stephen Allan appointeddirector
- 1996-01-24➖JPCORS LIMITED resignedcorporate-nominee-secretary
- 1996-01-24➖JPCORD LIMITED resignedcorporate-nominee-director
- 1995-11-29🏢Company incorporatedAs A & A BUSINESS SUPPLIES LIMITED
- 1995-11-29➕JPCORS LIMITED appointedcorporate-nominee-secretary
- 1995-11-29➕JPCORD LIMITED appointedcorporate-nominee-director
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 30 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
5 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Rosalyn Melanie Taylor Individual · British · DOB 04/1962 · age 64 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Mr Stephen Allan Taylor Individual · British · DOB 08/1964 · age 62 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Mr Simon Dowse Individual · British · DOB 02/1966 · age 60 | — | — | sig. influencesignificant influence | 06/04/2016 |
Mr Michael Youren Individual · British · DOB 03/1965 · age 61 | — | — | sig. influencesignificant influence | 06/04/2016 |
Mr Christopher Weatherdon Individual · British · DOB 12/1973 · age 53 | — | — | sig. influencesignificant influence | 06/04/2016 |
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 (5 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | NatWest Group Rbs Invoice Finance Limited | A registered charge | — | 06/05/2026 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 24/04/2002 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Single debenture | 1 property | 13/03/1996 | 19/06/2002 |