S.J. HOLDER LIMITED
Opportunity 32/100 (pass), bankability 2/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: distressed disposal / insolvency (80/100). Current lenders should be on immediate intervention.
Refinance opportunity
8 live charges · 6 lenders · oldest 24.8y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 24.8 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Clear signal to pass. Time better spent elsewhere unless you have a specific strategic angle.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2021-04-30 | 2020-04-30 |
|---|---|---|
| Total assets | £532.8k | £462.9k |
| Current assets | £297.3k | £333.5k |
| Net assets | £177.8k | £102.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 2 insolvency
- • 2 insolvency
- • 2 insolvency
Corporate timeline (39 events)Click to expand
- 2026-04-30⚠️liquidation-receiver-abstract-of-receipts-and-payments-with-brought-down-dateinsolvency · REC2
- 2026-04-30⚠️liquidation-receiver-cease-to-act-receiverinsolvency · RM02
- 2025-10-21⚠️liquidation-receiver-abstract-of-receipts-and-payments-with-brought-down-dateinsolvency · REC2
- 2025-07-07⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2025-05-15⚠️liquidation-receiver-abstract-of-receipts-and-payments-with-brought-down-dateinsolvency · REC2
- 2024-04-28⚠️liquidation-receiver-appointment-of-receiverinsolvency · RM01
- 2024-04-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-25⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2024-04-25📄resolutionresolution · RESOLUTIONS
- 2024-04-25⚠️liquidation-voluntary-statement-of-affairsinsolvency · LIQ02
- 2024-02-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-10📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-10-17📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2023-10-03📄gazette-notice-compulsorygazette · GAZ1
- 2022-09-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-02🔒Charge registered #8Lender: Sdka LTD
- 2021-06-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-11-22🔒Charge registered #7Lender: Barclays Security Trustee LTD
- 2019-08-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-07-29🔒Charge registered #6Lender: Barclays Security Trustee Limited
- 2013-05-03🔓Charge satisfied #4
- 2013-05-03🔓Charge satisfied #3
- 2013-05-03🔓Charge satisfied #2
- 2013-05-03🔓Charge satisfied #1
- 2013-04-29🔒Charge registered #5Lender: Cambridge & Counties Bank Limited
- 2011-07-20🔒Charge registered #4Lender: Lloyds Tsb Bank PLC
- 2011-07-18🔒Charge registered #3Lender: Lloyds Tsb Bank PLC
- 2005-03-18🔒Charge registered #2Lender: Hsbc Bank PLC
- 2001-07-26🔒Charge registered #1Lender: Hsbc Bank PLC
- 2001-04-25🏢Company incorporatedAs S.J. HOLDER LIMITED
- 2001-04-25➕HOLDER, Rebecca Claire appointedsecretary
- 2001-04-25➕HOLDER, Steven John appointeddirector
- 2001-04-25➕READYMADE SECRETARIES LTD. appointedcorporate-secretary
- 2001-04-25➖READYMADE SECRETARIES LTD. resignedcorporate-secretary
- 2001-04-25➕READYMADE NOMINEES LTD. appointedcorporate-director
- 2001-04-25➖READYMADE NOMINEES LTD. resignedcorporate-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "HOLDER" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
4 high · 1 med ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2023-01-31
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2024-05-09
Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-04-30: liquidation-receiver-abstract-of-receipts-and-payments-with-brought-down-date; 2026-04-30: liquidation-receiver-cease-to-act-receiver
Multiple 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 Steven John Holder Individual · English · DOB 05/1974 · age 52 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Rebecca Claire Holder Individual · British · DOB 04/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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 · B postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1 STOP BUILDING & MAINTENANCE UK-UK LIMITED→ 14318474 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 108HOMES LTD→ 15804913 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 126BUILDING LTD→ 15864988 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 13 VENTURES LTD→ 11585898 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 18 GOLF CONSTRUCTION LIMITED→ 15884247 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 1TECH BUILDING SERVICES LTD→ 16638079 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 345 FLOORING SOLUTIONS LTD→ 11576558 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 360 FBR LTD→ 13096442 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 360 FLOORING LIMITED→ 07505442 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| 360 PROPERTY RENOVATIONS LTD→ 12603722 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 3D BRICKWORK LTD→ 12505517 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| 3D BRICKWORK WEST MIDLANDS LTD→ 17023196 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
13 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 (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Sdka Sdka LTD | A registered charge | 2 properties | 02/09/2022 | — | |
| outstanding | Barclays Barclays Security Trustee LTD | A registered charge | 1 property | 22/11/2019 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 29/07/2019 | — | |
| outstanding | Cambridge & Counties Cambridge & Counties Bank Limited | A registered charge | 1 property | 29/04/2013 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 20/07/2011 | 03/05/2013 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 18/07/2011 | 03/05/2013 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 18/03/2005 | 03/05/2013 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 26/07/2001 | 03/05/2013 |