A.R. RICHARDS LIMITED
- · Oldest live charge 23.0y old — refinance window within 12 months
- 38210SIC 38210
- 43290Other construction installation
Opportunity 73/100 (strong), bankability 60/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · oldest 23.0y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 23.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (57/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 capital
- • 1 accounts
- • 1 resolution
- • 1 capital
- • 1 accounts
- • 1 resolution
Corporate timeline (39 events)Click to expand
- 2026-02-24📄capital-return-purchase-own-sharescapital · SH03
- 2026-02-11📄accounts-with-accounts-type-mediumaccounts · AA
- 2026-02-09📄resolutionresolution · RESOLUTIONS
- 2025-07-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-07-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-07-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-10-09📄accounts-with-accounts-type-mediumaccounts · AA
- 2024-01-09📄accounts-with-accounts-type-mediumaccounts · AA
- 2023-05-16📄capital-cancellation-sharescapital · SH06
- 2023-05-16📄capital-return-purchase-own-sharescapital · SH03
- 2023-05-09📄resolutionresolution · RESOLUTIONS
- 2023-05-05📄memorandum-articlesincorporation · MA
- 2023-04-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-21➖RICHARDS, Adam Raymond resigneddirector
- 2023-01-07📄accounts-with-accounts-type-fullaccounts · AA
- 2022-10-20📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-10-20📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-10-14➕BUTTERTON, Kirk Malcolm appointedsecretary
- 2022-10-14➖RICHARDS, Sheilagh resignedsecretary
- 2021-10-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-01-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-10-01📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2015-01-07🔒Charge registered #4Lender: National Westminster Bank PLC
- 2014-09-12🔒Charge registered #3Lender: National Westminster Bank PLC
- 2008-09-09🔒Charge registered #2Lender: National Westminster Bank PLC
- 2008-01-10➕RICHARDS, Andrew Russell appointeddirector
- 2008-01-10➕RICHARDS, Samantha Jayne appointeddirector
- 2008-01-10➕RICHARDS, Adam Raymond appointeddirector
- 2004-01-20➕RICHARDS, Sheilagh appointedsecretary
- 2004-01-20➖TOMLINSON, Michael resignedsecretary
- 2003-04-29🔒Charge registered #1Lender: National Westminster Bank PLC
- 2003-03-31🏢Company incorporatedAs A.R. RICHARDS LIMITED
- 2003-03-31➕RICHARDS, Anthony Raymond appointeddirector
- 2003-03-31➕RICHARDS, Sheilagh appointeddirector
- 2003-03-31➕TOMLINSON, Michael appointedsecretary
- 2003-03-31➕WATERLOW SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2003-03-31➖WATERLOW SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2003-03-31➕WATERLOW NOMINEES LIMITED appointedcorporate-nominee-director
- 2003-03-31➖WATERLOW NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "RICHARDS" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-04-14
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Russell Richards Individual · British · DOB 01/1985 · age 41 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 30/06/2023 |
2 historic (ceased) PSCs
- Mrs Sheilagh Richardsceased 30/06/2023· 25-50% shares
- Mr Anthony Raymond Richardsceased 30/06/2023· 25-50% shares
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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9 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 (5 active · 5 resigned)
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Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 07/01/2015 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 12/09/2014 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 09/09/2008 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 29/04/2003 | — |