I.J. 2004 LIMITED
🌳Matureactive
05187465 · ltd · incorporated 2004-07-22
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 Jun 2025
Net worth
£85.6k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Activities of open-ended investment companies
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 82-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (93/100, director aged 82). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -40% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · oldest 21.7y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 21.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (79/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
63 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £85,597
Net assets shrinking
Down £55,843 YoY
Cash YoY
-40%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£84k
↓ 40% YoY
Net Worth
£86k
↓ 39% YoY
Current Assets
£88k
↓ 39% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £85.6k | £141.4k |
| Current assets | £87.6k | £142.7k |
| Cash | £84.0k | £139.1k |
| Debtors | £3.7k | £3.7k |
| Net assets | £85.6k | £141.4k |
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 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-01-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-12-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-12-10🔓Charge satisfied #2
- 2019-12-10🔓Charge satisfied #1
- 2019-03-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-19📄change-person-director-company-with-change-dateofficers · CH01
- 2018-03-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-01-16📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2007-06-22➕WNJ SECRETARIES LIMITED appointedcorporate-secretary
- 2007-06-22➖AINSWORTH, Robert Thomas resignedsecretary
- 2004-11-25🔒Charge registered #2Lender: Hsbc Bank PLC
- 2004-11-02🔒Charge registered #1Lender: Hsbc Bank PLC
- 2004-07-22🏢Company incorporatedAs I.J. 2004 LIMITED
- 2004-07-22➕JONES, Howard Justin Trevor appointeddirector
- 2004-07-22➕JONES, Roger Richard appointeddirector
- 2004-07-22➕AINSWORTH, Robert Thomas appointedsecretary
- 2004-07-22➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 2004-07-22➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
Owner dependency
91/100
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 82 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
96/100
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 82 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 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Howard Justin Trevor Jones Individual · British · DOB 03/1966 · age 60 | 25–50% | — | 25-50% shares · trust interest | 06/04/2016 |
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 →Similar companies
Active · Financial services · PR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| G S FINANCIAL PLANNING LIMITED→ 08574589 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| GREY BEARD INVESTMENT LTD→ 13888404 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| HALARIC JOHN LIMITED→ 13419163 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HOME EQUITY RELEASE SERVICE LIMITED→ 08674682 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| HOPEWELLS SIMPLY FINANCE LTD→ 06181826 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| IEGROUPUK LTD→ 11316603 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| INFINITE FINANCIAL SERVICES LIMITED→ 07236201 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| INFORM FINANCE LIMITED→ 16486717 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| INGENIUM FINANCIAL ADVISERS LIMITED→ 16461121 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| INVESTING IN POLAND LTD→ 11755002 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| INVESTMENT PROPERTY MARKETING LTD→ 05006060 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| INVICTUS PROPERTIES LTD→ 13331032 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2004-07-22
Jurisdictionengland-wales
Primary SIC64304 — Activities of open-ended investment companies
Registered office
Chandler House 7 Ferry Road Office Park
Riversway
Preston
PR2 2YH
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-07-21
Last: 2026-07-07
Officers (3 active · 2 resigned)
WNJ SECRETARIES LIMITED→
Activecorporate-secretary · appointed 2007-06-22
View their other companies + combined net worth →
JONES, Howard Justin Trevor→
Activedirector · ~60y · appointed 2004-07-22
View their other companies + combined net worth →
JONES, Roger Richard→
Activedirector · ~82y · appointed 2004-07-22
View their other companies + combined net worth →
AINSWORTH, Robert Thomas→
Resignedsecretary · appointed 2004-07-22 · resigned 2007-06-22
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2004-07-22 · resigned 2004-07-22
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 25/11/2004 | 10/12/2019 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 02/11/2004 | 10/12/2019 |
Recent filings (63 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-06
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-10-14
confirmation-statement-with-updates
confirmation-statement · CS01
2020-07-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-13