ANDJO DERIVATIVES LTD

🌳Matureactive
04321874 · ltd · incorporated 2001-11-13
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£748.5k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Security and commodity contracts dealing activities
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Active trading company with a 61-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -51% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 23.8y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 23.8 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (78/100)

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
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
82 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 £748,521
Net assets shrinking
Down £5,130 YoY
Cash draining
Cash down 51% YoY
Cash YoY
-51%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£7k
↓ 51% YoY
Net Worth
£749k
~ YoY
Current Assets
—
Current Liabilities
—
£0£151k£301k£452k£603k£754kMar 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£988.1k£753.7k
Cash£6.6k£13.5k
Net assets£748.5k£753.7k

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 (33 events)Click to expand
  1. 2025-12-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-03-16
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  4. 2024-03-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-03-12
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  6. 2023-02-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-06-01
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  8. 2022-05-31
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  9. 2022-05-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-01-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2018-08-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2018-08-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2018-08-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2018-08-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2018-08-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2013-03-28
    ➖
    COULT, Roderick Michael resigned
    secretary
  19. 2011-08-15
    🔒
    Charge registered #5
    Lender: Barclays Bank PLC
  20. 2010-04-03
    🔓
    Charge satisfied #3
  21. 2010-04-03
    🔓
    Charge satisfied #1
  22. 2003-07-24
    🔒
    Charge registered #4
    Lender: Woolwich PLC
  23. 2003-07-24
    🔒
    Charge registered #3
    Lender: Woolwich PLC
  24. 2002-08-09
    🔒
    Charge registered #2
    Lender: Woolwich PLC
  25. 2002-08-09
    🔒
    Charge registered #1
    Lender: Woolwich PLC
  26. 2001-11-13
    🏢
    Company incorporated
    As ANDJO DERIVATIVES LTD
  27. 2001-11-13
    ➕
    LUXFORD, Andrew William appointed
    director
  28. 2001-11-13
    ➕
    LUXFORD, Joanne appointed
    director
  29. 2001-11-13
    ➕
    COULT, Roderick Michael appointed
    secretary
  30. 2001-11-13
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  31. 2001-11-13
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  32. 2001-11-13
    ➕
    INSTANT COMPANIES LIMITED appointed
    corporate-nominee-director
  33. 2001-11-13
    ➖
    INSTANT COMPANIES 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 61 — 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 61. 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Andrew William Luxford
Individual · British · DOB 06/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Joanne Luxford
Individual · British · DOB 09/1966 · age 60
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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
Incorporated2001-11-13
Jurisdictionengland-wales
Primary SIC66120 — Security and commodity contracts dealing activities

Registered office

54 Tor Bryan
Ingatestone
Essex
CM4 9HN
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-27
Last: 2025-11-13

Officers (2 active · 3 resigned)

LUXFORD, Andrew William→
director · ~61y · appointed 2001-11-13
View their other companies + combined net worth →
Active
LUXFORD, Joanne→
director · ~60y · appointed 2001-11-13
View their other companies + combined net worth →
Active
COULT, Roderick Michael→
secretary · appointed 2001-11-13 · resigned 2013-03-28
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2001-11-13 · resigned 2001-11-13
Resigned
INSTANT COMPANIES LIMITED→
corporate-nominee-director · appointed 2001-11-13 · resigned 2001-11-13
Resigned

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

Mortgages & charges

5
Total charges
3
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Barclays
Barclays Bank PLC
Debenture1 property15/08/2011—
outstanding
Woolwich
Woolwich PLC
Deed of intercharge1 property24/07/2003—
satisfied
Woolwich
Woolwich PLC
Mortgage deed1 property24/07/200303/04/2010
outstanding
Woolwich
Woolwich PLC
Mortgage deed1 property09/08/2002—
satisfied
Woolwich
Woolwich PLC
Floating charge1 property09/08/200203/04/2010
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (82 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
gazette-filings-brought-up-to-date
gazette · DISS40
2024-03-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-15
gazette-notice-compulsory
gazette · GAZ1
2024-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-07
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-14
gazette-filings-brought-up-to-date
gazette · DISS40
2022-06-01
gazette-notice-compulsory
gazette · GAZ1
2022-05-31
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-16
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-22