AMPERSAND (Y2K) LTD

🌳Matureactive
03672867 · ltd · incorporated 1998-11-24
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 27.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
£36.8k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 46660
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 79-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 79). 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 27.0y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 27.0 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
73 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
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 £36,818
Net assets shrinking
Down £577 YoY
Cash YoY
-2%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£67k
↓ 1.6% YoY
Net Worth
£37k
↓ 1.5% YoY
Current Assets
£206k
↑ 3.0% YoY
Current Liabilities
—
£0£41k£83k£124k£165k£206kDec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-31
Total assets£37.3k£38.0k
Current assets£206.5k£200.4k
Cash£66.5k£67.6k
Debtors£137.3k£129.4k
Net assets£36.8k£37.4k

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-09-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-04-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2023-03-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-03-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-08-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-02-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-04-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-08-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-10-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2016-08-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-05-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2015-10-20
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2003-12-16
    ➕
    FLETCHER, Barbara appointed
    director
  17. 2003-12-16
    ➖
    WHEELER, Christopher John resigned
    director
  18. 2002-05-18
    🔒
    Charge registered #2
    Lender: Hsbc Invoice Finance (UK) LTD
  19. 1999-06-07
    🔒
    Charge registered #1
    Lender: Midland Bank PLC
  20. 1998-11-26
    ➕
    ANDERSON, Keith appointed
    secretary
  21. 1998-11-26
    ➕
    ANDERSON, Keith appointed
    director
  22. 1998-11-26
    ➕
    WHEELER, Christopher John appointed
    director
  23. 1998-11-24
    🏢
    Company incorporated
    As AMPERSAND (Y2K) LTD
  24. 1998-11-24
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  25. 1998-11-24
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  26. 1998-11-24
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director
  27. 1998-11-24
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director

Owner dependency

83/100
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 28 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 79 — succession pressure is live.

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 79 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 28 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 28 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Keith Anderson
Individual · British · DOB 02/1958 · age 68
50–75%
50–75%board controlsig. influence50-75% shares · 50-75% voting · board control · significant influence · firm interest20/10/2016

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
Incorporated1998-11-24
Jurisdictionengland-wales
Primary SIC46660 — SIC 46660

Registered office

Office 10, Block B1 Chorley Business & Technology Centre
East Terrace, Euxton
Chorley
PR7 6TE
England

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-11-03
Last: 2025-10-20

Officers (3 active · 3 resigned)

ANDERSON, Keith→
secretary · appointed 1998-11-26
View their other companies + combined net worth →
Active
ANDERSON, Keith→
director · ~68y · appointed 1998-11-26
View their other companies + combined net worth →
Active
FLETCHER, Barbara→
director · ~79y · appointed 2003-12-16
View their other companies + combined net worth →
Active
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 1998-11-24 · resigned 1998-11-24
Resigned
WHEELER, Christopher John→
director · ~57y · appointed 1998-11-26 · resigned 2003-12-16
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 1998-11-24 · resigned 1998-11-24
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
HSBC
Hsbc Invoice Finance (UK) LTD
Fixed charge on purchased debts which fail to vest1 property18/05/2002—
outstanding
Midland Bank
Midland Bank PLC
Debenture1 property07/06/1999—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (73 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-20
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-21