AND CO FINANCIAL SERVICES LTD

🌳Matureactive
05042306 · ltd · incorporated 2004-02-12
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 22.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
77/100
Strong
🔔
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What this business does
Primary activity: Management of real estate on a fee or contract basis
Sector: Real estate
Investor take
Pursue
Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (60/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · oldest 22.1y

75/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 22.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.
  • · Not currently profitable — coverage conversation is a harder sell.

Data confidence

Overall: medium (76/100)

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
14 officers (4 active, 14 linked, 11 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
98 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Loss-making
Loss before tax £0

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-31
Profit before tax£0
Average employees0

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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (52 events)Click to expand
  1. 2025-09-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  2. 2025-09-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-09-12
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  4. 2025-03-26
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  5. 2024-08-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-08-28
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  7. 2024-01-29
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2024-01-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2024-01-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2024-01-26
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  11. 2024-01-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2024-01-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2024-01-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2024-01-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  15. 2024-01-19
    ➕
    AITCHISON, Paul Leonard appointed
    secretary
  16. 2024-01-19
    ➕
    AITCHISON, Paul Leonard appointed
    director
  17. 2024-01-19
    ➕
    COOK, Michael Brian appointed
    director
  18. 2024-01-19
    ➕
    KAVANAGH, Peter appointed
    director
  19. 2024-01-19
    ➖
    STEPTOE, Daniel Stuart Duncan resigned
    director
  20. 2024-01-19
    ➖
    THOMAS, George Roland resigned
    director
  21. 2023-10-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2023-02-17
    ➖
    BROOMHAM, Paul Thomas resigned
    director
  23. 2023-02-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  24. 2023-01-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2021-10-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2021-03-23
    📄
    resolution
    resolution · RESOLUTIONS
  27. 2018-03-29
    ➕
    BROOMHAM, Paul Thomas appointed
    director
  28. 2018-03-29
    ➕
    STEPTOE, Daniel Stuart Duncan appointed
    director
  29. 2015-04-30
    ➖
    AINGER, Nicholas John resigned
    secretary
  30. 2015-04-30
    ➖
    AINGER, Alison Joan resigned
    director
  31. 2015-04-30
    ➖
    AINGER, Nicholas John resigned
    director
  32. 2015-04-30
    ➖
    HURST, Delyth Sian resigned
    director
  33. 2015-04-30
    ➖
    HURST, Tony Graham resigned
    director
  34. 2015-04-30
    ➖
    LIVESEY, Lora Frances resigned
    director
  35. 2015-04-30
    ➕
    THOMAS, George Roland appointed
    director
  36. 2014-07-30
    🔓
    Charge satisfied #4
  37. 2008-03-07
    🔓
    Charge satisfied #1
  38. 2006-01-01
    ➕
    LIVESEY, Lora Frances appointed
    director
  39. 2005-07-30
    🔓
    Charge satisfied #3
  40. 2005-07-30
    🔓
    Charge satisfied #2
  41. 2005-03-07
    🔒
    Charge registered #4
    Lender: Barclays Bank PLC
  42. 2004-12-17
    🔒
    Charge registered #3
    Lender: Barclays Bank PLC
  43. 2004-11-19
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  44. 2004-06-21
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  45. 2004-02-12
    🏢
    Company incorporated
    As AND CO FINANCIAL SERVICES LTD
  46. 2004-02-12
    ➕
    AINGER, Nicholas John appointed
    secretary
  47. 2004-02-12
    ➕
    IGP CORPORATE NOMINEES LTD. appointed
    corporate-nominee-secretary
  48. 2004-02-12
    ➖
    IGP CORPORATE NOMINEES LTD. resigned
    corporate-nominee-secretary
  49. 2004-02-12
    ➕
    AINGER, Alison Joan appointed
    director
  50. 2004-02-12
    ➕
    AINGER, Nicholas John appointed
    director
Showing most recent 50 of 52 events

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

50/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

And Co Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
And Co Group Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
AND CO FINANCIAL SERVICES LTD
This company · 05042306

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%
NameSharesVoting rightsNature of controlNotified
And Co Group Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/05/2017
1 historic (ceased) PSC
  • Bannisters Limitedceased 01/05/2017· 75-100% shares · 75-100% voting · board control

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 →

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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
Incorporated2004-02-12
Jurisdictionengland-wales
Primary SIC68320 — Management of real estate on a fee or contract basis

Registered office

Building 1 Meadows Business Park
Blackwater
Camberley
GU17 9AB
United Kingdom

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-14
Last: 2026-04-30

Officers (4 active · 10 resigned)

AITCHISON, Paul Leonard→
secretary · appointed 2024-01-19
View their other companies + combined net worth →
Active
AITCHISON, Paul Leonard→
director · ~47y · appointed 2024-01-19
View their other companies + combined net worth →
Active
COOK, Michael Brian→
director · ~43y · appointed 2024-01-19
View their other companies + combined net worth →
Active
KAVANAGH, Peter→
director · ~64y · appointed 2024-01-19
View their other companies + combined net worth →
Active
AINGER, Nicholas John→
secretary · appointed 2004-02-12 · resigned 2015-04-30
Resigned
IGP CORPORATE NOMINEES LTD.→
corporate-nominee-secretary · appointed 2004-02-12 · resigned 2004-02-12
Resigned
AINGER, Alison Joan→
director · ~65y · appointed 2004-02-12 · resigned 2015-04-30
Resigned
AINGER, Nicholas John→
director · ~64y · appointed 2004-02-12 · resigned 2015-04-30
Resigned
BROOMHAM, Paul Thomas→
director · ~47y · appointed 2018-03-29 · resigned 2023-02-17
Resigned
HURST, Delyth Sian→
director · ~60y · appointed 2004-02-12 · resigned 2015-04-30
Resigned
HURST, Tony Graham→
director · ~60y · appointed 2004-02-12 · resigned 2015-04-30
Resigned
LIVESEY, Lora Frances→
director · ~58y · appointed 2006-01-01 · resigned 2015-04-30
Resigned
STEPTOE, Daniel Stuart Duncan→
director · ~51y · appointed 2018-03-29 · resigned 2024-01-19
Resigned
THOMAS, George Roland→
director · ~48y · appointed 2015-04-30 · resigned 2024-01-19
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

4
Total charges
0
Outstanding
0
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property07/03/200530/07/2014
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property17/12/200430/07/2005
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property19/11/200430/07/2005
satisfied
Barclays
Barclays Bank PLC
Debenture1 property21/06/200407/03/2008

Recent filings (98 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-09-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-16
accounts-with-accounts-type-dormant
accounts · AA
2025-09-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-02
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-28
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-14
appoint-person-director-company-with-name-date
officers · AP01
2024-01-29
appoint-person-director-company-with-name-date
officers · AP01
2024-01-26
appoint-person-director-company-with-name-date
officers · AP01
2024-01-26
appoint-person-secretary-company-with-name-date
officers · AP03
2024-01-26
termination-director-company-with-name-termination-date
officers · TM01
2024-01-26
termination-director-company-with-name-termination-date
officers · TM01
2024-01-26