A & J WEALTH MANAGEMENT LIMITED
🌳Matureactive
05105933 · ltd · incorporated 2004-04-19
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 20.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueConservative operator with a 68-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (93/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (85/100).
🏦
Refinance opportunity
5 live charges · 2 lenders · oldest 20.3y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: medium (74/100)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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
17 officers (2 active, 17 linked, 11 with DOB)
83
Ownership & PSC
0 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
164 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
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 102Profitable
Profit before tax £884,937
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 |
|---|---|
| Profit before tax | £884.9k |
| Average employees | 3000 |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (65 events)Click to expand
- 2025-10-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-01➕BROAD, Austin appointeddirector
- 2025-07-31📄accounts-with-accounts-type-fullaccounts · AA
- 2024-08-29📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2024-08-08📄accounts-with-accounts-type-fullaccounts · AA
- 2024-06-10📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-02-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-27🔓Charge satisfied #5
- 2024-02-27🔓Charge satisfied #3
- 2024-02-23📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2024-02-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-02-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-22📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-02-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-21➖ASHCROFT CAMERON (UK) LIMITED resignedcorporate-secretary
- 2024-02-21➖FRISBY, Gordon James resigneddirector
- 2024-02-21➖MOORE, James Edward resigneddirector
- 2023-12-19📄capital-allotment-sharescapital · SH01
- 2023-12-18📄resolutionresolution · RESOLUTIONS
- 2023-12-11📄capital-allotment-sharescapital · SH01
- 2023-11-20📄accounts-with-accounts-type-fullaccounts · AA
- 2023-09-11📄capital-return-purchase-own-sharescapital · SH03
- 2023-08-15📄capital-allotment-sharescapital · SH01
- 2023-08-14📄capital-cancellation-sharescapital · SH06
- 2023-08-10📄resolutionresolution · RESOLUTIONS
- 2023-07-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-12🔓Charge satisfied #4
- 2022-12-31➖POSGATE, John Sidney Stapleton resigneddirector
- 2022-09-30➖OOSTHUIZEN, Sonia resignedsecretary
- 2022-09-30➕ASHCROFT CAMERON (UK) LIMITED appointedcorporate-secretary
- 2022-03-17➖HUGHES, Adam Bentley resigneddirector
- 2021-09-20➖FURNELL, Lucy Jean resignedsecretary
- 2021-09-20➕OOSTHUIZEN, Sonia appointedsecretary
- 2021-03-31➖HARTLEY, Stephen resigneddirector
- 2019-09-16🔒Charge registered #5Lender: Lloyds Bank PLC
- 2019-07-01➕HUGHES, Adam Bentley appointeddirector
- 2018-09-07➕FRISBY, Gordon James appointeddirector
- 2018-08-07➕HARTLEY, Stephen appointeddirector
- 2018-08-07➕MOORE, James Edward appointeddirector
- 2018-06-21🔓Charge satisfied #2
- 2018-06-21🔓Charge satisfied #1
- 2018-04-03➖VALD, Glenn Bernard resigneddirector
- 2018-03-23➕FURNELL, Lucy Jean appointedsecretary
- 2018-03-23➖JONES, Anne Christine resignedsecretary
- 2018-03-23➖BARRETT, Michael resigneddirector
- 2018-03-23➕FURNELL, Lucy Jean appointeddirector
- 2018-03-23➖FURNELL, Lucy Jean resigneddirector
- 2018-03-23➖JONES, Anne Christine resigneddirector
Showing most recent 50 of 65 events
Owner dependency
83/100
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.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- 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.
🔒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
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|---|---|---|---|---|---|---|---|
| A.M.S. (ACCESS MORTGAGE SOLUTIONS) LIMITED→ 08444769 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| AKRASI MARKETING AND DESIGN LTD→ 14109554 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALDERMONT GROUP LIMITED→ 09330042 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ALDRIDGE SUPPLY & FINANCE LIMITED→ 05312529 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ALEVIO GROUP LTD→ 14024292 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ALEXARA (FIC 2025) LTD→ 16659988 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALGIZ INVESTMENTS LIMITED→ 14263744 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALLIANCE HEALTH PMI LIMITED→ 13305805 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ALLIANCE MEDICAL INDEMNITY LIMITED→ 07655729 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ALLSOPP FINANCIAL MANAGEMENT LIMITED→ 05506823 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ALPHA CLAIMS & HIRE LTD→ 09325823 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ALPHA CLAIMS LTD→ 14642123 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2004-04-19
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Afh House Buntsford Drive
Stoke Heath
Bromsgrove
B60 4JE
England
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-08-06
Last: 2025-07-23
Officers (2 active · 15 resigned)
BROAD, Austin→
Activedirector · ~63y · appointed 2025-10-01
View their other companies + combined net worth →
JONES, Gareth Sutton→
Activedirector · ~68y · appointed 2004-04-19
View their other companies + combined net worth →
FURNELL, Lucy Jean→
Resignedsecretary · appointed 2018-03-23 · resigned 2021-09-20
JONES, Anne Christine→
Resignedsecretary · appointed 2004-04-19 · resigned 2018-03-23
OOSTHUIZEN, Sonia→
Resignedsecretary · appointed 2021-09-20 · resigned 2022-09-30
A.C. SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2004-04-19 · resigned 2004-04-19
ASHCROFT CAMERON (UK) LIMITED→
Resignedcorporate-secretary · appointed 2022-09-30 · resigned 2024-02-21
BARRETT, Michael→
Resigneddirector · ~80y · appointed 2011-06-01 · resigned 2018-03-23
FRISBY, Gordon James→
Resigneddirector · ~63y · appointed 2018-09-07 · resigned 2024-02-21
FURNELL, Lucy Jean→
Resigneddirector · ~63y · appointed 2018-03-23 · resigned 2018-03-23
HARTLEY, Stephen→
Resigneddirector · ~67y · appointed 2018-08-07 · resigned 2021-03-31
HUGHES, Adam Bentley→
Resigneddirector · ~55y · appointed 2019-07-01 · resigned 2022-03-17
JONES, Anne Christine→
Resigneddirector · ~72y · appointed 2007-08-22 · resigned 2018-03-23
MOORE, James Edward→
Resigneddirector · ~64y · appointed 2018-08-07 · resigned 2024-02-21
POSGATE, John Sidney Stapleton→
Resigneddirector · ~80y · appointed 2009-04-01 · resigned 2022-12-31
VALD, Glenn Bernard→
Resigneddirector · ~82y · appointed 2011-06-01 · resigned 2018-04-03
A.C. DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2004-04-19 · resigned 2004-04-19
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 16/09/2019 | 27/02/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 14/02/2018 | 12/07/2023 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 20/12/2017 | 27/02/2024 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 02/07/2007 | 21/06/2018 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 07/02/2006 | 21/06/2018 |
Recent filings (164 total)
appoint-person-director-company-with-name-date
officers · AP01
2025-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-11
accounts-with-accounts-type-full
accounts · AA
2025-07-31
change-account-reference-date-company-current-shortened
accounts · AA01
2024-08-29
accounts-with-accounts-type-full
accounts · AA
2024-08-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-23
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-06-10
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-27
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-27
notification-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC08
2024-02-23
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-02-22
termination-director-company-with-name-termination-date
officers · TM01
2024-02-22
termination-director-company-with-name-termination-date
officers · TM01
2024-02-22
termination-secretary-company-with-name-termination-date
officers · TM02
2024-02-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-22