ANDREW RICHARDS LIMITED

🌳Matureactive

03416532 · ltd · incorporated 1997-08-07

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Oct 2025

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: SIC 45112

Sector: Wholesale & retail

ALSO REGISTERED FOR

45400SIC 45400
68209Other letting and operating of own or leased real estate

Investor take

Pursue

Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (70/100, director aged 62). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

21 live charges · 5 lenders · oldest 28.3y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 28.3 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 50/100 (high).

Data confidence

Overall: medium (78/100)

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

Company profile

address, 3 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

21 charges (21/21 with lender, 21/21 with type)

Directors & officers

6 officers (3 active, 6 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

2 connected companies via shared directors

Filing history

110 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-10-31	2024-10-31
Average employees	2	200

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

🔒Filing-note intelligence

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

Last 30 days

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (69 events)Click to expand

2026-05-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-19
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-14
📄
capital-allotment-shares
capital · SH01
2023-06-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-28
🔓
Charge satisfied #19
2020-09-28
🔓
Charge satisfied #18
2020-09-28
🔓
Charge satisfied #17
2020-09-28
🔓
Charge satisfied #15
2020-09-28
🔓
Charge satisfied #14
2020-09-28
🔓
Charge satisfied #13
2020-09-28
🔓
Charge satisfied #12
2020-09-28
🔓
Charge satisfied #11
2020-09-28
🔓
Charge satisfied #10
2020-09-28
🔓
Charge satisfied #9
2020-09-28
🔓
Charge satisfied #8
2020-09-28
🔓
Charge satisfied #7
2020-09-28
🔓
Charge satisfied #6
2017-06-28
➕
RICHARDS, Alison Marie appointed
director
2007-10-30
🔒
Charge registered #22
Lender: Skipton Building Society
2006-09-25
🔒
Charge registered #20
Lender: Skipton Building Society
2006-06-30
🔒
Charge registered #19
Lender: Skipton Building Society
2006-06-30
🔒
Charge registered #18
Lender: Skipton Building Society
2003-07-28
🔒
Charge registered #17
Lender: Skipton Building Society
2003-07-28
🔒
Charge registered #16
Lender: Skipton Building Society
2003-05-27
🔒
Charge registered #15
Lender: Skipton Building Society
2003-05-27
🔒
Charge registered #14
Lender: Skipton Building Society
2002-04-23
🔒
Charge registered #13
Lender: Britannic Money PLC
2002-04-23
🔒
Charge registered #12
Lender: Britannic Money PLC
2002-02-20
🔓
Charge satisfied #5
2002-02-20
🔓
Charge satisfied #4
2002-02-20
🔓
Charge satisfied #3
2002-02-20
🔓
Charge satisfied #2
2002-02-20
🔓
Charge satisfied #1
2000-10-06
➕
RICHARDS, Michael appointed
secretary

Showing most recent 50 of 69 events

Owner dependency

99/100

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 "RICHARDS" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 62 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100

Likely off-market candidate

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 29 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%

Name	Shares	Voting rights	Nature of control	Notified
Mr Andrew James Richards Individual · British · DOB 08/1964 · age 62	75–100%	—	75-100% shares	26/08/2016

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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ANDY'S TEST CENTRE LIMITED→ 10734183 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
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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

Incorporated1997-08-07

Jurisdictionengland-wales

Primary SIC45112 — SIC 45112

Registered office

93 Mill Lane

Fordham

Ely

Cambridgeshire

CB7 5NH

Filing status

Accounts

Next due: 2027-07-31

Last made up to: 2025-10-31

Confirmation statement

Next due: 2026-09-10

Last: 2025-08-27

Officers (3 active · 3 resigned)

RICHARDS, Michael→

secretary · appointed 2000-10-06

View their other companies + combined net worth →

Active

RICHARDS, Alison Marie→

director · ~51y · appointed 2017-06-28

View their other companies + combined net worth →

Active

RICHARDS, Andrew James→

director · ~62y · appointed 1997-08-07

View their other companies + combined net worth →

Active

RICHARDS, Julia→

secretary · appointed 1997-08-07 · resigned 2000-10-06

Resigned

PARAMOUNT COMPANY SEARCHES LIMITED→

corporate-nominee-secretary · appointed 1997-08-07 · resigned 1997-08-07

Resigned

PARAMOUNT PROPERTIES (UK) LIMITED→

corporate-nominee-director · appointed 1997-08-07 · resigned 1997-08-07

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:21 of 21 shown

		Type	Properties
outstanding	Skipton Building Society	Legal charge	1 property	30/10/2007	—
outstanding	Skipton Building Society	Legal charge	1 property	25/09/2006	—
satisfied	Skipton Building Society	Legal charge	1 property	30/06/2006	28/09/2020
satisfied	Skipton Building Society	Legal charge	1 property	30/06/2006	28/09/2020
satisfied	Skipton Building Society	Legal charge	1 property	28/07/2003	28/09/2020
outstanding	Skipton Building Society	Legal charge	1 property	28/07/2003	—
satisfied	Skipton Building Society	Legal charge	1 property	27/05/2003	28/09/2020
satisfied	Skipton Building Society	Legal charge	1 property	27/05/2003	28/09/2020
satisfied	Britannic Money Britannic Money PLC	Legal charge	1 property	23/04/2002	28/09/2020
satisfied	Britannic Money Britannic Money PLC	Legal charge	1 property	23/04/2002	28/09/2020
satisfied	Woolwich Woolwich PLC	Floating charge	1 property	30/06/2000	28/09/2020
satisfied	Woolwich Woolwich PLC	Mortgage	1 property	30/06/2000	28/09/2020
satisfied	Woolwich Woolwich PLC	Mortgage	1 property	22/11/1999	28/09/2020
satisfied	Woolwich Woolwich PLC	Mortgage	1 property	22/11/1999	28/09/2020
satisfied	Woolwich Direct	Mortgage deed	1 property	13/08/1999	28/09/2020
satisfied	Woolwich Direct	Mortgage deed	1 property	13/08/1999	28/09/2020
satisfied	Woolwich Direct	Mortgage deed	1 property	13/08/1999	20/02/2002
satisfied	Lloyds Banking Group Lloyds Bank PLC	Mortgage	1 property	24/09/1998	20/02/2002
satisfied	Lloyds Banking Group Lloyds Bank PLC	Mortgage	1 property	24/09/1998	20/02/2002
satisfied	Lloyds Banking Group Lloyds Bank PLC	Mortgage	1 property	20/02/1998	20/02/2002
satisfied	Lloyds Banking Group Lloyds Bank PLC	Mortgage	1 property	20/02/1998	20/02/2002

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (110 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-05-15

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-09-08

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-05-19

confirmation-statement-with-updates

confirmation-statement · CS01

2024-09-06

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-06-19

capital-allotment-shares

capital · SH01

2024-03-14

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-09-05

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-06-27

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-08-29

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-05-03

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-09-01

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-05-04

mortgage-satisfy-charge-full

mortgage · MR04

2020-09-28

mortgage-satisfy-charge-full

mortgage · MR04

2020-09-28

mortgage-satisfy-charge-full

mortgage · MR04

2020-09-28