A & E CONTRACTS LTD.

🌳Matureactive

04233904 · ltd · incorporated 2001-06-13

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 21.6y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£-99.2k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Development of building projects

Sector: Construction

ALSO REGISTERED FOR

68209Other letting and operating of own or leased real estate

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 59). 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 · oldest 21.6y

65/100

clean up first

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

· Oldest live charge is 21.6 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 (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

5 connected companies via shared directors

Filing history

72 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Negative net assets

Liabilities exceed assets by £99,230

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

-£99k

↑ 14% YoY

Current Assets

£7k

↓ 25% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-03-31	2024-03-31
Total assets	£155.8k	£162.6k
Current assets	£6.8k	£9.0k
Net assets	£-99.2k	£-115.1k

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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2025-12-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-01
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-12-26
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-08-14
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-12-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-12-31
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-09-14
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2016-09-13
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-09-06
📄
gazette-notice-compulsory
gazette · GAZ1
2015-12-22
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2004-12-23
🔒
Charge registered #2
Lender: National Westminster Bank PLC
2004-12-17
🔒
Charge registered #1
Lender: National Westminster Bank PLC
2003-09-01
➕
ELLARD, Anthony Richard appointed
director
2001-06-13
🏢
Company incorporated
As A & E CONTRACTS LTD.
2001-06-13
➕
ELLARD, Anthony Richard appointed
secretary
2001-06-13
➕
ELLARD, Olga appointed
director
2001-06-13
➕
TEMPLE SECRETARIES LIMITED appointed
corporate-nominee-secretary
2001-06-13
➖
TEMPLE SECRETARIES LIMITED resigned
corporate-nominee-secretary
2001-06-13
➕
COMPANY DIRECTORS LIMITED appointed
corporate-nominee-director
2001-06-13
➖
COMPANY DIRECTORS LIMITED resigned
corporate-nominee-director

Owner dependency

84/100

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 25 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 59 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Anthony Richard Ellard Individual · British · DOB 03/1968 · age 58	—	—	board controlboard control · firm interest	06/04/2018

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

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ACR HEATING SOLUTIONS LTD→ 08056115 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
AD-NO CONSTRUCTION LTD→ 14530914 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ADAM BRAIN BUILDING SERVICES LTD→ 12186320 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ADDITIONS INSTALLATIONS & SERVICE LIMITED→ 05035959 · est 2004 · no financials extracted	—	—	—	—	22y	—	—
ADES-COV LTD→ 13117035 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
ADF INSTALLATION LIMITED→ 13614699 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
ADH CONSTRUCTION ENGINEERING LTD→ 09976944 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
ADI INTERIORS LTD→ 14294450 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ADICOL BUILDERS LTD→ 16945718 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ADL INSTALLATIONS LTD→ 15725266 · 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.

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Company details

Statusactive

Typeltd

Incorporated2001-06-13

Jurisdictionengland-wales

Primary SIC41100 — Development of building projects

Registered office

13 Woodcote Road

Leamington Spa

Warwickshire

CV32 6PZ

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-06-27

Last: 2026-06-13

Officers (3 active · 2 resigned)

ELLARD, Anthony Richard→

secretary · appointed 2001-06-13

View their other companies + combined net worth →

Active

ELLARD, Anthony Richard→

director · ~58y · appointed 2003-09-01

View their other companies + combined net worth →

Active

ELLARD, Olga→

director · ~59y · appointed 2001-06-13

View their other companies + combined net worth →

Active

TEMPLE SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2001-06-13 · resigned 2001-06-13

Resigned

COMPANY DIRECTORS LIMITED→

corporate-nominee-director · appointed 2001-06-13 · resigned 2001-06-13

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	National Westminster Bank National Westminster Bank PLC	Legal charge	1 property	23/12/2004	—
	outstanding	National Westminster Bank National Westminster Bank PLC	Debenture	1 property	17/12/2004	—

Click column headers to sort. Use filters above to narrow by status and lender.