AMCO FLOORING LIMITED
🌳Matureactive
03495396 · ltd · incorporated 1998-01-20
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 27.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£527.4k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Retail sale of carpets, rugs, wall and floor coverings in specialised stores
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
2 live charges · oldest 27.1y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 27.1 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 (76/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 4 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
95 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £527,361
Cash YoY
+8%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£317k
↑ 7.9% YoY
Net Worth
£527k
↑ 2.2% YoY
Current Assets
£592k
↑ 12% YoY
Current Liabilities
—
Hover 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 | £528.4k | £517.5k |
| Current assets | £591.6k | £529.4k |
| Cash | £316.8k | £293.5k |
| Debtors | £228.1k | £204.2k |
| Net assets | £527.4k | £516.0k |
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
- 2025-12-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-01-12📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-01-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2017-02-06📄change-person-secretary-company-with-change-dateofficers · CH03
- 2017-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2015-03-12➖SMIT, Russell resigneddirector
- 2014-03-06➕SMIT, Lauren Julie appointeddirector
- 2014-03-06➖SMIT, Mary resigneddirector
- 2014-01-15➕SMIT, Ricky Jay appointeddirector
- 2014-01-15➕SMIT, Mary appointeddirector
- 2005-10-05➕SMIT, Ricky Jay appointedsecretary
- 2005-10-05➖KING STREET SECRETARIES LTD resignedcorporate-secretary
- 2002-12-20🔒Charge registered #3Lender: National Westminster Bank PLC
- 2002-04-01➖SMIT, Russell resignedsecretary
- 1999-06-25🔒Charge registered #1Lender: National Westminster Bank PLC
- 1999-03-18➕KING STREET SECRETARIES LTD appointedcorporate-secretary
- 1999-02-18➕SMIT, Russell appointedsecretary
- 1999-02-18➖KING STREET SECRETARIES LTD resignedcorporate-secretary
- 1999-01-20➕KING STREET SECRETARIES LTD appointedcorporate-secretary
- 1998-09-29➖KING STREET COMPANY DIRECTORS LTD resignedcorporate-director
- 1998-09-09➖KING STREET SECRETARIES LTD resignedcorporate-secretary
- 1998-09-09➕SMIT, Russell appointeddirector
- 1998-01-20🏢Company incorporatedAs AMCO FLOORING LIMITED
- 1998-01-20➕KING STREET SECRETARIES LTD appointedcorporate-secretary
- 1998-01-20➕KING STREET COMPANY DIRECTORS LTD appointedcorporate-director
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ricky Jay Smit Individual · British · DOB 05/1982 · age 44 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Ms Lauren Julie Smit Individual · British · DOB 07/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| AKR BUSINESS CONSULTING LIMITED→ 14752723 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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| ALEXANDER AESTHETICS LTD→ 16177557 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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| ALLEY KAT LTD→ 12212389 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ALPHA FLOORING LIMITED→ 07595499 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| ALTADECCA PEARL UK LTD→ 13759616 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALTREGO LTD→ 11616291 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AM&SHAH TRADERS LIMITED→ 16485331 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMBITIAN LTD→ 16627447 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AME KONSULT LIMITED→ 13897316 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AMEDEEL AGUTA LTD→ 16026946 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1998-01-20
Jurisdictionengland-wales
Primary SIC47530 — Retail sale of carpets, rugs, wall and floor coverings in specialised stores
Registered office
Unit 9 The Io Centre
Fingle Drive, Stonebridge
Milton Keynes
Buckinghamshire
MK13 0AT
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-19
Last: 2026-01-05
Officers (3 active · 7 resigned)
Active
SMIT, Lauren Julie→
Activedirector · ~41y · appointed 2014-03-06
View their other companies + combined net worth →
SMIT, Ricky Jay→
Activedirector · ~44y · appointed 2014-01-15
View their other companies + combined net worth →
SMIT, Russell→
Resignedsecretary · appointed 1999-02-18 · resigned 2002-04-01
KING STREET SECRETARIES LTD→
Resignedcorporate-secretary · appointed 1999-03-18 · resigned 2005-10-05
KING STREET SECRETARIES LTD→
Resignedcorporate-secretary · appointed 1999-01-20 · resigned 1999-02-18
KING STREET SECRETARIES LTD→
Resignedcorporate-secretary · appointed 1998-01-20 · resigned 1998-09-09
SMIT, Mary→
Resigneddirector · ~68y · appointed 2014-01-15 · resigned 2014-03-06
SMIT, Russell→
Resigneddirector · ~66y · appointed 1998-09-09 · resigned 2015-03-12
KING STREET COMPANY DIRECTORS LTD→
Resignedcorporate-director · appointed 1998-01-20 · resigned 1998-09-29
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 20/12/2002 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 25/06/1999 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (95 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-01-12
change-person-director-company-with-change-date
officers · CH01
2022-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-09