A & M CERAMICS LIMITED
🌳Matureactive
04853551 · ltd · incorporated 2003-08-01
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 19.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Floor and wall covering
Sector: Construction
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
2 live charges · oldest 19.6y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 19.6 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 (70/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 |
|---|---|
| Average employees | 600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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 (21 events)Click to expand
- 2025-07-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-11📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2024-05-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-08-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-06-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-06-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-08-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-19📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-07-02📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2007-01-10🔒Charge registered #2Lender: Lloyds Tsb Bank PLC
- 2006-12-01🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2003-08-01🏢Company incorporatedAs A & M CERAMICS LIMITED
- 2003-08-01➕SMITH, Lisa appointedsecretary
- 2003-08-01➕FAIRHURST, Andrew appointeddirector
- 2003-08-01➕FAIRHURST, Mark 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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- 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.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Fairhurst Individual · British · DOB 05/1970 · age 56 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/08/2018 |
Mr Mark Fairhurst Individual · British · DOB 01/1973 · age 53 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence | 01/07/2016 |
1 historic (ceased) PSC
- Mr Andrew Fairhurstceased 02/08/2018· 25-50% shares · 25-50% voting · board control · significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Construction · WA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A&M BUILD AND DESIGN LTD→ 16554920 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AIDO INVESTMENTS LIMITED→ 10527731 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AJEL CONSTRUCTION LIMITED→ 11931186 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AJPE LIMITED→ 08967811 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ALAN'S GAS SERVICES LTD→ 07866210 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ALBERT SQUARE ESTATES LTD→ 10424001 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ALL GUARD ROOFING LTD→ 16474443 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALLENBY DEVELOPMENTS LIMITED→ 06091760 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| ALLIED ROOFING AND CONSTRUCTION LIMITED→ 02518468 · est 1990 · no financials extracted | — | — | — | — | 35y | — | — |
| ALLREND (NW) LIMITED→ 16286314 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALLSEAS UK LIMITED→ 02891313 · est 1994 · no financials extracted | — | — | — | — | 32y | — | — |
| ALMAHER CONSTRUCTION LTD→ 13035044 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2003-08-01
Jurisdictionengland-wales
Primary SIC43330 — Floor and wall covering
Registered office
Unit 4 Ketterer Court
Off Jackson Street
St Helens
Merseyside
WA9 3AH
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-08-15
Last: 2025-08-01
Officers (3 active · 0 resigned)
Active
FAIRHURST, Andrew→
Activedirector · ~56y · appointed 2003-08-01
View their other companies + combined net worth →
FAIRHURST, Mark→
Activedirector · ~53y · appointed 2003-08-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 10/01/2007 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 01/12/2006 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (54 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-11
change-account-reference-date-company-previous-extended
accounts · AA01
2025-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-06
accounts-with-accounts-type-micro-entity
accounts · AA
2020-06-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-05
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-04