A & J SWITHINBANK LIMITED
🌳Matureactive
04767563 · ltd · incorporated 2003-05-16
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
£654
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Special-situation opportunityDistressed trade-services with salvageable qualities — special-situations priority.
Opportunity 72/100 (strong), bankability 65/100. Strong seller-intent signal (78/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -50% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
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
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £654
Net assets shrinking
Down £1,035 YoY
Cash draining
Cash down 50% YoY
Cash YoY
-50%
Year on year
Key financials
3 years extracted from filed iXBRL accountsCash
£5k
↓ 50% YoY
Net Worth
£654
↓ 61% YoY
Current Assets
£6k
↓ 42% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2026-03-31 | 2025-03-31 | 2024-03-31 |
|---|---|---|---|
| Total assets | £654 | £1.7k | £2.4k |
| Current assets | £5.5k | £9.5k | £42.0k |
| Cash | £4.8k | £9.5k | £40.8k |
| Debtors | £713 | — | £1.2k |
| Net assets | £654 | £1.7k | £2.4k |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-11-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-12-20📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-06📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-12-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-12📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-08📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2003-05-16🏢Company incorporatedAs A & J SWITHINBANK LIMITED
- 2003-05-16➕SWITHINBANK, John appointedsecretary
- 2003-05-16➕SWITHINBANK, Anne Frances appointeddirector
- 2003-05-16➕SWITHINBANK, John appointeddirector
- 2003-05-16➕WATERLOW SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2003-05-16➖WATERLOW SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2003-05-16➕WATERLOW NOMINEES LIMITED appointedcorporate-nominee-director
- 2003-05-16➖WATERLOW NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
100/100
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.
- +Founder name in company name: Company name contains director surname "SWITHINBANK" — 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 73 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
91/100
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 73 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 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 ·Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-06-27
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Anne Frances Swithinbank Individual · British · DOB 07/1957 · age 69 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr John Swithinbank Individual · British · DOB 04/1955 · age 71 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| BEUNIQUE SALON AND TRAINING LTD→ 15118092 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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| BLITZIT CLEANING SOLUTIONS LIMITED→ 10608117 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| BLUE SKY PROMOTIONS LIMITED→ 03417350 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
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| BODMINCOURT LIMITED→ 01705697 · est 1983 · no financials extracted | — | — | — | — | 43y | — | — |
| BONI & GUY LTD→ 12521000 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| BOOMERANG EVENT SERVICES LTD→ 09439909 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| BOON.HAIR LTD→ 12298758 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BOSS BEAUTY LIMITED→ 16445731 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BOUHAIR LIMITED→ 09629282 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2003-05-16
Jurisdictionengland-wales
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
40 St. James Street
Taunton
TA1 1JR
England
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-06-27OVERDUE
Last: 2025-06-13
Officers (3 active · 2 resigned)
Active
SWITHINBANK, Anne Frances→
Activedirector · ~69y · appointed 2003-05-16
View their other companies + combined net worth →
SWITHINBANK, John→
Activedirector · ~73y · appointed 2003-05-16
View their other companies + combined net worth →
WATERLOW SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-05-16 · resigned 2003-05-16
WATERLOW NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2003-05-16 · resigned 2003-05-16
Click a director name to see their full track record across all companies.
Recent filings (53 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-14
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-13