AJ MILLER (UK) LIMITED
🌳Matureactive
04458095 · ltd · incorporated 2002-06-11
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 Oct 2023
Net worth
£1.98M
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
- 42990Construction of other civil engineering projects n.e.c.
- 68209Other letting and operating of own or leased real estate
Investor take
PursueActive trading company with a 77-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 77). Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
22 live charges · 6 lenders · oldest 23.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 23.4 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
22 charges (22/22 with lender, 22/22 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
119 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £1,981,974
Key financials
1 year extracted from filed iXBRL accountsCash
£33k
Net Worth
£2.0m
Current Assets
£1.4m
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2023-10-31 |
|---|---|
| Total assets | £3.49M |
| Current assets | £1.39M |
| Cash | £33.3k |
| Debtors | £1.35M |
| Net assets | £1.98M |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (73 events)Click to expand
- 2025-07-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-06🔒Charge registered #22Lender: Charter Court Financial Services Limited
- 2023-07-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-24📄resolutionresolution · RESOLUTIONS
- 2023-04-24📄memorandum-articlesincorporation · MA
- 2022-12-31📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-01-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-21🔓Charge satisfied #17
- 2021-01-21🔓Charge satisfied #15
- 2021-01-21🔓Charge satisfied #14
- 2021-01-21🔓Charge satisfied #13
- 2021-01-21🔓Charge satisfied #12
- 2021-01-21🔓Charge satisfied #11
- 2021-01-21🔓Charge satisfied #10
- 2021-01-21🔓Charge satisfied #9
- 2021-01-21🔓Charge satisfied #8
- 2021-01-21🔓Charge satisfied #7
- 2021-01-21🔓Charge satisfied #6
- 2021-01-21🔓Charge satisfied #4
- 2021-01-21🔓Charge satisfied #3
- 2021-01-21🔓Charge satisfied #2
- 2020-09-18🔒Charge registered #21Lender: Shawbrook Bank Limited
- 2020-01-27🔒Charge registered #20Lender: Interbay Funding Limited
- 2018-10-07➖HOSSEINI, Javad resigneddirector
- 2017-10-10🔒Charge registered #19Lender: Atom Bank PLC
- 2017-07-13🔓Charge satisfied #16
- 2017-07-13🔓Charge satisfied #5
- 2017-07-13🔓Charge satisfied #1
- 2017-06-22🔒Charge registered #18Lender: Atom Bank PLC
- 2014-08-26➕VERNON, James William, Sir appointeddirector
- 2013-12-31➖HOSSEINI, Gina Nassim resignedsecretary
- 2012-11-01🔒Charge registered #17Lender: Lloyds Tsb Bank PLC
- 2012-11-01🔒Charge registered #16Lender: Lloyds Tsb Bank PLC
- 2007-07-17🔒Charge registered #15Lender: Tay Homes (North West) Limited
- 2006-11-29🔒Charge registered #14Lender: Lloyds Tsb Bank PLC
- 2006-11-21🔒Charge registered #13Lender: Lloyds Tsb Bank PLC
- 2006-11-20🔒Charge registered #12Lender: Lloyds Tsb Bank PLC
Showing most recent 50 of 73 events
Owner dependency
83/100
Critical — business is the founderThe 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 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
Succession & seller-readiness
96/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Lynda Arnold Individual · British · DOB 02/1967 · age 59 | — | — | sig. influencesignificant influence | 07/10/2018 |
1 historic (ceased) PSC
- Mr Javad Hosseiniceased 07/10/2018· 50-75% shares
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
Active · Construction · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & G JOINERY (NW) LTD→ 16266045 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A J SHONE & SON LIMITED→ 04188924 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| A JARVIS ELECTRICAL (WIDNES) LIMITED→ 10517551 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A.BERNIE & CO.(QUEENSFERRY AUCTION)LIMITED→ 00502015 · est 1951 · no financials extracted | — | — | — | — | 74y | — | — |
| A.I.P. (DERWENT RIVERSIDE) LIMITED→ 09174440 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| A&H JOINERY & CONSTRUCTION LTD→ 12556577 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACTUAL LANDSCAPES LTD→ 10543710 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AD PAINTING LTD→ 16790796 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADAPT ROPE ACCESS LIMITED→ 16537768 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADK SITE SERVICES LTD→ 13239895 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ADSCAF ACCESS SOLUTIONS LTD→ 15605812 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ADVANCED ROOFLINE SYSTEMS LIMITED→ 11688404 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2002-06-11
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects
Registered office
10 Riversdale Road Riversdale Road
West Kirby
Wirral
CH48 4EZ
England
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-17
Last: 2025-10-03
Officers (2 active · 6 resigned)
ARNOLD, Lynda→
Activedirector · ~59y · appointed 2002-08-21
View their other companies + combined net worth →
VERNON, James William, Sir→
Activedirector · ~77y · appointed 2014-08-26
View their other companies + combined net worth →
HOSSEINI, Gina Nassim→
Resignedsecretary · appointed 2003-02-13 · resigned 2013-12-31
TAYEBI, Surinder, Dr→
Resignedsecretary · appointed 2002-06-18 · resigned 2003-02-12
RWL REGISTRARS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-06-11 · resigned 2002-06-18
HOSSEINI, Javad→
Resigneddirector · ~69y · appointed 2002-08-21 · resigned 2018-10-07
TAYEBI, Masood Khorami→
Resigneddirector · ~65y · appointed 2002-06-18 · resigned 2003-02-12
BONUSWORTH LIMITED→
Resignedcorporate-nominee-director · appointed 2002-06-11 · resigned 2002-06-18
Click a director name to see their full track record across all companies.
Mortgages & charges
22
Total charges
5
Outstanding
4
Active lenders
Status:Lender:22 of 22 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 06/10/2023 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 18/09/2020 | — | |
| outstanding | InterBay Interbay Funding Limited | A registered charge | 8 properties | 27/01/2020 | — | |
| outstanding | Atom Bank Atom Bank PLC | A registered charge | 1 property | 10/10/2017 | — | |
| outstanding | Atom Bank Atom Bank PLC | A registered charge | 7 properties | 22/06/2017 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 01/11/2012 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 01/11/2012 | 13/07/2017 | |
| satisfied | Tay Homes (North West) Tay Homes (North West) Limited | Legal charge | 1 property | 17/07/2007 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 29/11/2006 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 21/11/2006 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 20/11/2006 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 20/03/2006 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 21/11/2005 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 21/11/2005 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/03/2005 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/03/2005 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/03/2005 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/03/2005 | 13/07/2017 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/03/2005 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Legal charge | 1 property | 24/09/2004 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 22/01/2004 | 21/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 07/01/2003 | 13/07/2017 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (119 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-09
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-20
resolution
resolution · RESOLUTIONS
2023-04-24
memorandum-articles
incorporation · MA
2023-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-21
change-person-director-company-with-change-date
officers · CH01
2022-12-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-12-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-23