A & J PRACTICE MANAGEMENT LIMITED
- · Oldest live charge 23.9y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
1 live charge · oldest 23.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 23.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
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 | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £100 | £100 |
| Current assets | £100 | £100 |
| Net assets | £100 | £100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (42 events)Click to expand
- 2026-03-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-12📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-12📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-06-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-06-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-06-19➕SIMPSON, Donna Louise appointeddirector
- 2020-06-19➖KENYON, Paul Mark resigneddirector
- 2020-04-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-03-02➖HILLIER, David Robert Geoffrey resigneddirector
- 2020-01-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-01-24➕KENYON, Paul Mark appointeddirector
- 2019-10-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-09-30➖DAVIS, Amanda Jane resigneddirector
- 2019-09-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-09-02➕GILLINGS, Mark Andrew appointeddirector
- 2019-05-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2016-01-29🔓Charge satisfied #1
- 2015-09-23➖BIGGLESTONE, David James resignedsecretary
- 2015-09-23➖BIGGLESTONE, David James resigneddirector
- 2015-09-23➖BIGGLESTONE, Eileen Clare resigneddirector
- 2015-09-23➕DAVIS, Amanda Jane appointeddirector
- 2015-09-23➕HILLIER, David Robert Geoffrey appointeddirector
- 2015-09-23➖PEFFERS, Andrew John resigneddirector
- 2015-09-23➖PEFFERS, Mandy Jayne resigneddirector
- 2002-07-30🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2002-07-16➕BIGGLESTONE, David James appointeddirector
- 2002-04-25🏢Company incorporatedAs A & J PRACTICE MANAGEMENT LIMITED
- 2002-04-25➕BIGGLESTONE, David James appointedsecretary
- 2002-04-25➕GRAEME, Dorothy May appointednominee-secretary
- 2002-04-25➖GRAEME, Dorothy May resignednominee-secretary
- 2002-04-25➕BIGGLESTONE, Eileen Clare appointeddirector
- 2002-04-25➕GRAEME, Lesley Joyce appointednominee-director
- 2002-04-25➖GRAEME, Lesley Joyce resignednominee-director
- 2002-04-25➕PEFFERS, Andrew John appointeddirector
- 2002-04-25➕PEFFERS, Mandy Jayne appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanGroup structure
Independent Vetcare Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Independent Vetcare Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 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.
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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 →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 · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture deed | 1 property | 30/07/2002 | 29/01/2016 |