A. G. BUILDING & JOINERY LIMITED
🌳Matureactive
03883557 · ltd · incorporated 1999-11-25
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£-29.9k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other construction installation
Sector: Construction
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (80/100, director aged 63). 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
7 live charges · 3 lenders · oldest 22.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 22.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · 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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
81 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 declaredNegative net assets
Liabilities exceed assets by £29,885
Cash YoY
+224%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£5k
↑ 224% YoY
Net Worth
-£30k
↓ 14% YoY
Current Assets
£27k
↑ 44% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £51.6k | £-18.2k |
| Current assets | £26.9k | £18.6k |
| Cash | £5.1k | £1.6k |
| Debtors | £21.8k | £17.0k |
| Net assets | £-29.9k | £-26.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
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 (40 events)Click to expand
- 2025-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-02-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-02-24🔓Charge satisfied #6
- 2021-02-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-02-16🔒Charge registered #7Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2021-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-07🔓Charge satisfied #5
- 2021-01-07🔓Charge satisfied #4
- 2021-01-07🔓Charge satisfied #3
- 2021-01-07🔓Charge satisfied #2
- 2021-01-07🔓Charge satisfied #1
- 2020-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-11-17➖HURST, Graham resigneddirector
- 2014-02-03➕HURST, Graham appointeddirector
- 2014-01-09🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2009-02-09🔒Charge registered #5Lender: Lloyds Tsb Bank PLC
- 2009-02-09🔒Charge registered #4Lender: Lloyds Tsb Bank PLC
- 2008-12-12🔒Charge registered #3Lender: Lloyds Tsb Bank PLC
- 2005-03-18🔒Charge registered #2Lender: Lloyds Tsb Bank PLC
- 2004-03-30🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2003-06-19➕GILLIGAN, Tracey Ann appointeddirector
- 2002-12-01➕GILLIGAN, Tracey Ann appointedsecretary
- 2002-12-01➖WILSON, Brian resignedsecretary
- 1999-11-25🏢Company incorporatedAs A. G. BUILDING & JOINERY LIMITED
- 1999-11-25➕GILLIGAN, Andrew appointeddirector
- 1999-11-25➕WILSON, Brian appointedsecretary
- 1999-11-25➕ASHBURTON REGISTRARS LIMITED appointedcorporate-nominee-secretary
- 1999-11-25➖ASHBURTON REGISTRARS LIMITED resignedcorporate-nominee-secretary
- 1999-11-25➕AR NOMINEES LIMITED appointedcorporate-nominee-director
- 1999-11-25➖AR NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
84/100
Critical — business is the founderThe 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 27 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 27 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Gilligan Individual · British · DOB 08/1963 · age 63 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/11/2016 |
Mrs Tracey Ann Gilligan Individual · British · DOB 05/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/11/2016 |
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 →Similar companies
Active · Construction · CW postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 90 DEGREE DEVELOPMENTS LTD→ 13747951 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 90 DEGREES (STAFFORD) LTD→ 16269180 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A & A CONSTRUCTION (MIDDLEWICH) LIMITED→ 05543970 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| A & D COMMERCIAL SERVICES LIMITED→ 06611776 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| A B PLATT GROUNDWORKS LIMITED→ 10389037 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A.E.BUCKLEY LIMITED→ 10552583 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| A.G. FENCING LIMITED→ 05506386 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| A9 PLUMBING AND HEATING LIMITED→ 08628622 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ABODE OUTDOORS LIMITED→ 10770604 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ABP BUILDING CONTRACTORS LTD→ 16299737 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ABSOLUTE BUILDING SOLUTIONS LTD→ 15233131 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABZ ELECTRICAL SERVICES LTD→ 16567426 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated1999-11-25
Jurisdictionengland-wales
Primary SIC43290 — Other construction installation
Registered office
74-76 High Street
Winsford
Cheshire
CW7 2AP
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2027-01-02
Last: 2025-12-19
Officers (3 active · 4 resigned)
GILLIGAN, Tracey Ann→
Activesecretary · appointed 2002-12-01
View their other companies + combined net worth →
GILLIGAN, Andrew→
Activedirector · ~63y · appointed 1999-11-25
View their other companies + combined net worth →
GILLIGAN, Tracey Ann→
Activedirector · ~61y · appointed 2003-06-19
View their other companies + combined net worth →
WILSON, Brian→
Resignedsecretary · appointed 1999-11-25 · resigned 2002-12-01
ASHBURTON REGISTRARS LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-11-25 · resigned 1999-11-25
HURST, Graham→
Resigneddirector · ~73y · appointed 2014-02-03 · resigned 2016-11-17
AR NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 1999-11-25 · resigned 1999-11-25
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
1
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | — | 16/02/2021 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 09/01/2014 | 24/02/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 09/02/2009 | 07/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 09/02/2009 | 07/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 12/12/2008 | 07/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 18/03/2005 | 07/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 30/03/2004 | 07/01/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (81 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-30
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-08
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-25
mortgage-satisfy-charge-full
mortgage · MR04
2021-02-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-02-17
mortgage-satisfy-charge-full
mortgage · MR04
2021-01-07
mortgage-satisfy-charge-full
mortgage · MR04
2021-01-07