AJ FURNITURE & BEDS LIMITED
Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (70/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 19.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 19.6 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £92.4k | £98.1k |
| Current assets | £257.7k | £235.8k |
| Cash | £112.8k | £70.2k |
| Debtors | £27.9k | £31.9k |
| Net assets | £70.1k | £66.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
- • 1 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (38 events)Click to expand
- 2026-06-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-19➖PAYNE, Jill resigneddirector
- 2023-01-05📄memorandum-articlesincorporation · MA
- 2023-01-05📄capital-alter-shares-subdivisioncapital · SH02
- 2023-01-05📄resolutionresolution · RESOLUTIONS
- 2022-12-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-11-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-10-06🔒Charge registered #3Lender: Lloyds Bank PLC
- 2011-04-20➖COLLINS, Kate Elizabeth resigneddirector
- 2011-04-20➕PAYNE, Jill appointeddirector
- 2010-12-24🔒Charge registered #2Lender: Segro Properties Limited
- 2009-12-01➕COLLINS, Kate Elizabeth appointeddirector
- 2009-12-01➖PAYNE, Jill resigneddirector
- 2007-11-09➕COLLINS, Kate Elizabeth appointedsecretary
- 2007-11-09➖PERCOX, Julie resignedsecretary
- 2007-11-09➕PAYNE, Jill appointeddirector
- 2007-11-09➖PERCOX, Julie resigneddirector
- 2007-11-09➖PERCOX, Trevor Malcolm resigneddirector
- 2006-12-01➕PERCOX, Julie appointeddirector
- 2006-11-24🔒Charge registered #1Lender: Slough Properties Limited
- 2006-09-28🏢Company incorporatedAs AJ FURNITURE & BEDS LIMITED
- 2006-09-28➕COLLINS, Timothy Paul appointeddirector
- 2006-09-28➕PERCOX, Julie appointedsecretary
- 2006-09-28➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2006-09-28➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2006-09-28➕PERCOX, Trevor Malcolm appointeddirector
- 2006-09-28➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
- 2006-09-28➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 20 years.
- secondaryStable-but-static management: Company is 20 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Kate Collins Individual · British · DOB 11/1972 · age 54 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Timothy Paul Collins Individual · British · DOB 10/1966 · age 60 | 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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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 →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
Registered office
Filing status
Officers (2 active · 8 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 06/10/2016 | — | |
| outstanding | Segro Properties Segro Properties Limited | Rent deposit deed | 1 property | 24/12/2010 | — | |
| outstanding | Slough Properties Slough Properties Limited | Deposit deed | 1 property | 24/11/2006 | — |