ANDREW STUART & COMPANY LIMITED
🌳Matureactive
04557297 · ltd · incorporated 2002-10-09
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 12.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 75-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 12.2y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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, 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
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
70 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 300 | 300 |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-12-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-11-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-15📄memorandum-articlesincorporation · MA
- 2023-10-18📄resolutionresolution · RESOLUTIONS
- 2023-10-14📄capital-allotment-sharescapital · SH01
- 2022-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-02📄change-person-director-company-with-change-dateofficers · CH01
- 2019-12-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-10-24📄capital-allotment-sharescapital · SH01
- 2015-02-16➕CARNALL, Adam appointeddirector
- 2014-04-11🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2005-06-17➕CARNALL, Vivien appointedsecretary
- 2005-06-17➖CARNALL, Stuart Andrew resignedsecretary
- 2005-06-17➖DUDGEON, Robert Antony resigneddirector
- 2002-10-09🏢Company incorporatedAs ANDREW STUART & COMPANY LIMITED
- 2002-10-09➕CARNALL, Stuart Andrew appointeddirector
- 2002-10-09➕BERRY, Janet Elaine appointedsecretary
- 2002-10-09➖BERRY, Janet Elaine resignedsecretary
- 2002-10-09➕CARNALL, Stuart Andrew appointedsecretary
- 2002-10-09➕DUDGEON, Robert Antony appointeddirector
Owner dependency
91/100
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 75 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 75 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
cleanNo 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 Adam Carnall Individual · British · DOB 11/1990 · age 36 | 50–75% | — | 50-75% shares | 06/04/2016 |
2 historic (ceased) PSCs
- Mrs Vivien Carnallceased 05/04/2024· 25-50% shares
- Mr Stuart Carnallceased 05/04/2024· 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 · Financial services · S postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A SHADE GREENER FINANCE F3 LIMITED→ 15678758 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A SHADE GREENER FINANCE LIMITED→ 10668465 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| A T COMMERCIAL FINANCE 2 LIMITED→ 14921017 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANDY HALL MORTGAGES LTD→ 09479295 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ANLD CRYPTO HOLDINGS LTD→ 16592442 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARC CAPITAL MARKETS (UK) LIMITED→ 13666413 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ARTISAN MORTGAGES LIMITED→ 15195049 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ASHDELL FINANCE LIMITED→ 16713566 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ASPIRION WEALTH LIMITED→ 10538338 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ASSESS PROTECTION AND PROPERTIES LIMITED→ 11691064 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ASSET FINANCE AND REFINANCE LIMITED→ 09662044 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ASSURE SECURE PROTECT LTD→ 07895613 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
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
Incorporated2002-10-09
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1 Bank House Row Station Road
Hathersage
Hope Valley
S32 1DD
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-23
Last: 2025-10-09
Officers (3 active · 3 resigned)
Active
CARNALL, Adam→
Activedirector · ~36y · appointed 2015-02-16
View their other companies + combined net worth →
CARNALL, Stuart Andrew→
Activedirector · ~75y · appointed 2002-10-09
View their other companies + combined net worth →
BERRY, Janet Elaine→
Resignedsecretary · appointed 2002-10-09 · resigned 2002-10-09
CARNALL, Stuart Andrew→
Resignedsecretary · appointed 2002-10-09 · resigned 2005-06-17
DUDGEON, Robert Antony→
Resigneddirector · ~76y · appointed 2002-10-09 · resigned 2005-06-17
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 11/04/2014 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (70 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-07
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-07
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-27
memorandum-articles
incorporation · MA
2023-11-15
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-24
resolution
resolution · RESOLUTIONS
2023-10-18
capital-allotment-shares
capital · SH01
2023-10-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-21
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-09