A & L BUILDERS LTD.

🌳Matureactive
04223339 · ltd · incorporated 2001-05-25
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 17.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£291.4k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), 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. 1 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

1 live charge · oldest 17.2y

65/100
clean up first

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

  • · Oldest live charge is 17.2 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 (77/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 3 with DOB)
79
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
76 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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 £291,387

Key financials

2 years extracted from filed iXBRL accounts
Cash
£402k
Net Worth
£291k
Current Assets
£574k
Current Liabilities
—
£0£115k£229k£344k£459k£574kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£301.9k—
Current assets£573.7k—
Cash£401.9k—
Debtors£170.5k—
Net assets£291.4k—
Average employees—1300

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
8
filings
  • • 5 persons-with-significant-control
  • • 2 officers
  • • 1 confirmation-statement
Last 180 days
8
filings
  • • 5 persons-with-significant-control
  • • 2 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-05-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-05-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-05-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2026-05-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2026-05-19
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  6. 2026-05-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2026-05-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2025-11-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-11-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2024-05-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2023-10-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-09-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-10-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-09-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-11-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2019-11-20
    ➕
    JACKSON-ADAMS, Caroline appointed
    director
  17. 2019-10-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-10-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2009-07-01
    ➕
    LANE, Sophie Elizabeth appointed
    secretary
  20. 2009-07-01
    ➖
    ADAMS, Michael Royston resigned
    secretary
  21. 2009-05-20
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  22. 2007-11-23
    ➕
    ADAMS, Michael Royston appointed
    secretary
  23. 2007-11-23
    ➖
    ADAMS, Vanessa Jane resigned
    secretary
  24. 2001-05-25
    🏢
    Company incorporated
    As A & L BUILDERS LTD.
  25. 2001-05-25
    ➕
    ADAMS, Michael Royston appointed
    director
  26. 2001-05-25
    ➕
    LANE, Graham Martin appointed
    director
  27. 2001-05-25
    ➕
    ADAMS, Vanessa Jane appointed
    secretary
  28. 2001-05-25
    ➕
    BRISTOL LEGAL SERVICES LIMITED appointed
    corporate-nominee-secretary
  29. 2001-05-25
    ➖
    BRISTOL LEGAL SERVICES LIMITED resigned
    corporate-nominee-secretary

Owner dependency

68/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

70/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • 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.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Michael Royston Adams
Individual · British · DOB 04/1964 · age 62
25–50%
25–50%board control25-50% shares · 25-50% voting · board control01/06/2016
Mr Graham Martin Lane
Individual · British · DOB 09/1965 · age 61
25–50%
25–50%board control25-50% shares · 25-50% voting · board control01/06/2016
2 historic (ceased) PSCs
  • Mr Michael Royston Adamsceased 01/05/2026· 25-50% shares
  • Mr Graham Martin Laneceased 01/05/2026· 25-50% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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A J ALLEN CARPENTRY SERVICES LTD.→
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15846871 · est 2024 · no financials extracted
————1y——
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13113766 · est 2021 · no financials extracted
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09618071 · est 2015 · no financials extracted
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11922795 · est 2019 · no financials extracted
————7y——
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10042807 · est 2016 · no financials extracted
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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
Incorporated2001-05-25
Jurisdictionengland-wales
Primary SIC41202 — Construction of domestic buildings

Registered office

Oakley House
Tetbury Road
Cirencester
Gloucestershire
GL7 1US
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-06-01
Last: 2026-05-18

Officers (4 active · 3 resigned)

LANE, Sophie Elizabeth→
secretary · appointed 2009-07-01
View their other companies + combined net worth →
Active
ADAMS, Michael Royston→
director · ~62y · appointed 2001-05-25
View their other companies + combined net worth →
Active
JACKSON-ADAMS, Caroline→
director · ~58y · appointed 2019-11-20
View their other companies + combined net worth →
Active
LANE, Graham Martin→
director · ~61y · appointed 2001-05-25
View their other companies + combined net worth →
Active
ADAMS, Michael Royston→
secretary · appointed 2007-11-23 · resigned 2009-07-01
Resigned
ADAMS, Vanessa Jane→
secretary · appointed 2001-05-25 · resigned 2007-11-23
Resigned
BRISTOL LEGAL SERVICES LIMITED→
corporate-nominee-secretary · appointed 2001-05-25 · resigned 2001-05-25
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
Debenture1 property20/05/2009—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (76 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-20
change-person-director-company-with-change-date
officers · CH01
2026-05-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-19
change-person-secretary-company-with-change-date
officers · CH03
2026-05-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-05-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-05-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-01