A & C AGGREGATES LIMITED
🌳Matureactive
04620255 · ltd · incorporated 2002-12-18
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Non-specialised wholesale trade
Sector: Wholesale & retail
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 80/100 (exceptional), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
10 live charges · 7 lenders · oldest 22.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 22.4 years old — likely at or near maturity.
- · 7 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
Lenders & charges
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
92 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
6
filings
- • 2 accounts
- • 2 other
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (50 events)Click to expand
- 2026-02-14📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-10📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-01-10📄legacyaccounts · PARENT_ACC
- 2026-01-10📄legacyother · GUARANTEE2
- 2026-01-10📄legacyother · AGREEMENT2
- 2025-05-23📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-05-23📄legacyaccounts · PARENT_ACC
- 2025-05-23📄legacyother · GUARANTEE2
- 2025-05-23📄legacyother · AGREEMENT2
- 2025-03-14📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-09-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-10📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-05-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-12🔒Charge registered #10Lender: Hsbc UK Bank PLC
- 2023-03-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-03-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-03-14🔒Charge registered #9Lender: Hsbc UK Bank PLC
- 2022-09-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-09-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-09-21🔓Charge satisfied #5
- 2022-09-21🔓Charge satisfied #2
- 2022-06-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-06-09🔓Charge satisfied #6
- 2022-05-20🔒Charge registered #8Lender: Hsbc Equipment Finance (UK) LTD
- 2022-05-20🔒Charge registered #7Lender: Hsbc Equipment Finance (UK) LTD
- 2022-03-01➕HARRIES, Amy Margaret appointeddirector
- 2022-03-01➕HARRIES, Charlotte Valerie appointeddirector
- 2020-09-21➖HARRIES, Ian Thomas Philip resignedsecretary
- 2018-10-04🔓Charge satisfied #4
- 2018-10-04🔓Charge satisfied #3
- 2017-08-31🔒Charge registered #6Lender: Lloyds Bank PLC
- 2017-08-18🔒Charge registered #5Lender: Lloyds Bank PLC
- 2016-09-21🔓Charge satisfied #1
- 2016-09-16🔒Charge registered #4Lender: Spf Bridging LTD
- 2016-09-16🔒Charge registered #3Lender: Spf Bridging Limited
- 2015-06-05🔒Charge registered #2Lender: Hsbc Bank PLC
- 2006-02-27➕HARRIES, Ian Thomas Philip appointedsecretary
- 2006-02-27➖THOMAS, Eirwyn John resignedsecretary
- 2004-02-05🔒Charge registered #1Lender: National Westminster Bank PLC
- 2002-12-19➖HARRIES, Julie Margaret resignedsecretary
- 2002-12-19➕THOMAS, Eirwyn John appointedsecretary
- 2002-12-19➖HARRIES, Ian Thomas Philip resigneddirector
- 2002-12-18🏢Company incorporatedAs A & C AGGREGATES LIMITED
- 2002-12-18➕HARRIES, Julie Margaret appointeddirector
- 2002-12-18➕HARRIES, Julie Margaret appointedsecretary
- 2002-12-18➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 2002-12-18➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
- 2002-12-18➕HARRIES, Ian Thomas Philip appointeddirector
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- primaryFamily succession underway: Not a takeover target — HARRIES, Amy Margaret (same surname) appointed 2022-03-01. Pattern consistent with intra-family handover.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- 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 ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
I & Jh Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
I & Jh Holdings Limited
Corporate parent · holds 75-100% shares
⬇
A & C AGGREGATES LIMITED
This company · 04620255
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 |
|---|---|---|---|---|
I & Jh Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 10/02/2023 |
1 historic (ceased) PSC
- Mrs Julie Margaret Harriesceased 10/02/2023· 75-100% 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 · Wholesale & distribution · SA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A.& S.MANUEL LIMITED→ 00605342 · est 1958 · no financials extracted | — | — | — | — | 67y | — | — |
| A4Y LTD→ 15943931 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AA CATERING FOOD LTD→ 09141651 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ACHEEBO CHEM LTD→ 05561534 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ADYCIO WHOLESALE LTD→ 15987866 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AGLOW INTERNATIONAL LIGHTING LTD→ 11360512 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AIG STEVENSON LIMITED→ 16500957 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AIRBRIDGE LTD→ 16015212 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AJ REES HOLDINGS LTD→ 16672814 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALCHIMICA BUILDING CHEMICALS LTD→ 09029190 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ALCHIMICA UK LTD→ 11637541 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ALE MARKETING LTD→ 12296972 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2002-12-18
Jurisdictionengland-wales
Primary SIC46900 — Non-specialised wholesale trade
Registered office
Rowlands View
Templeton
Narberth
Pembrokeshire
SA67 8RG
Filing status
Accounts
Next due: 2026-12-30
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-25
Last: 2026-02-11
Officers (3 active · 5 resigned)
HARRIES, Amy Margaret→
Activedirector · ~32y · appointed 2022-03-01
View their other companies + combined net worth →
HARRIES, Charlotte Valerie→
Activedirector · ~28y · appointed 2022-03-01
View their other companies + combined net worth →
HARRIES, Julie Margaret→
Activedirector · ~58y · appointed 2002-12-18
View their other companies + combined net worth →
HARRIES, Ian Thomas Philip→
Resignedsecretary · appointed 2006-02-27 · resigned 2020-09-21
HARRIES, Julie Margaret→
Resignedsecretary · appointed 2002-12-18 · resigned 2002-12-19
THOMAS, Eirwyn John→
Resignedsecretary · appointed 2002-12-19 · resigned 2006-02-27
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-12-18 · resigned 2002-12-18
HARRIES, Ian Thomas Philip→
Resigneddirector · ~59y · appointed 2002-12-18 · resigned 2002-12-19
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
4
Outstanding
1
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 12/05/2023 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 14/03/2023 | — | |
| outstanding | HSBC Hsbc Equipment Finance (UK) LTD | A registered charge | — | 20/05/2022 | — | |
| outstanding | HSBC Hsbc Equipment Finance (UK) LTD | A registered charge | — | 20/05/2022 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 31/08/2017 | 09/06/2022 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 18/08/2017 | 21/09/2022 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 16/09/2016 | 04/10/2018 | |
| satisfied | Spf Bridging Spf Bridging Limited | A registered charge | 2 properties | 16/09/2016 | 04/10/2018 | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | 1 property | 05/06/2015 | 21/09/2022 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 05/02/2004 | 21/09/2016 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (92 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-02
change-person-director-company-with-change-date
officers · CH01
2026-02-14
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-10
legacy
accounts · PARENT_ACC
2026-01-10
legacy
other · GUARANTEE2
2026-01-10
legacy
other · AGREEMENT2
2026-01-10
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-05-23
legacy
accounts · PARENT_ACC
2025-05-23
legacy
other · GUARANTEE2
2025-05-23
legacy
other · AGREEMENT2
2025-05-23
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-20
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-07-10