A & M'S LIMITED

🌳Matureactive

06317583 · ltd · incorporated 2007-07-19

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jul 2025

Net worth

—

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: Pre-primary education

Sector: Education

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (63/100).

🏦

Refinance opportunity

7 live charges · 3 lenders · oldest 18.8y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 18.8 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (78/100)

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

Lenders & charges

7 charges (7/7 with lender, 7/7 with type)

Directors & officers

4 officers (3 active, 4 linked, 3 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

Network not yet resolved

Filing history

55 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-07-31	2024-07-31
Average employees	5600	-4000

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (35 events)Click to expand

2026-04-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-04
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-08
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-29
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-29
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-28
🔓
Charge satisfied #5
2022-03-28
🔓
Charge satisfied #4
2022-03-28
🔓
Charge satisfied #3
2022-03-25
🔒
Charge registered #7
Lender: Cynergy Bank Limited
2022-03-25
🔒
Charge registered #6
Lender: Cynergy Bank Limited
2022-03-15
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-10-13
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2021-10-12
📄
gazette-notice-compulsory
gazette · GAZ1
2021-04-20
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-04-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-05-25
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2011-04-07
🔒
Charge registered #5
Lender: Santander UK PLC
2011-01-28
🔓
Charge satisfied #2
2011-01-28
🔓
Charge satisfied #1
2011-01-25
🔒
Charge registered #4
Lender: Santander UK PLC
2011-01-25
🔒
Charge registered #3
Lender: Santander UK PLC
2010-01-01
➕
WATTERS, Emma appointed
director
2008-12-01
➖
WATTERS, Emma resigned
director
2007-08-10
🔒
Charge registered #2
Lender: National Westminster Bank PLC
2007-08-08
🔒
Charge registered #1
Lender: National Westminster Bank PLC
2007-07-19
🏢
Company incorporated
As A & M'S LIMITED
2007-07-19
➕
WATTERS, Emma appointed
secretary
2007-07-19
➕
MCCLOREY, Andrew appointed
director
2007-07-19
➕
WATTERS, Emma appointed
director

Owner dependency

68/100

High — earn-out structure required

Material 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 19 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

59/100

Strong succession signal

Multiple 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.
secondary12+ year tenure: Director in role 19 years.
secondaryStable-but-static management: Company is 19 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

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.

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Miss Emma Watters Individual · British · DOB 03/1977 · age 49	25–50%	—	25-50% shares	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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ACHAESTHETICS LTD→ 13963420 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
ACTIVE HORIZONS ORGANISATION LTD→ 16578778 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ADO SERVICES CIC→ 07042757 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
AFFINITY LEARN LIMITED→ 15674392 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AIMERS ACADEMY LIMITED→ 13828582 · est 2022 · no financials extracted	—	—	—	—	4y	—	—

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

Incorporated2007-07-19

Jurisdictionengland-wales

Primary SIC85100 — Pre-primary education

Registered office

The Coach House Unit 42

66-70 Bourne Road

Bexley

DA5 1LU

England

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2026-08-02

Last: 2025-07-19

Officers (3 active · 1 resigned)

WATTERS, Emma→

secretary · appointed 2007-07-19

View their other companies + combined net worth →

Active

MCCLOREY, Andrew→

director · ~54y · appointed 2007-07-19

View their other companies + combined net worth →

Active

WATTERS, Emma→

director · ~49y · appointed 2010-01-01

View their other companies + combined net worth →

Active

WATTERS, Emma→

director · ~49y · appointed 2007-07-19 · resigned 2008-12-01

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:7 of 7 shown

		Type	Properties
outstanding	Cynergy Bank Cynergy Bank Limited	A registered charge	1 property	25/03/2022	—
outstanding	Cynergy Bank Cynergy Bank Limited	A registered charge	—	25/03/2022	—
satisfied	Santander Santander UK PLC	Legal charge	1 property	07/04/2011	28/03/2022
satisfied	Santander Santander UK PLC	Legal charge	1 property	25/01/2011	28/03/2022
satisfied	Santander Santander UK PLC	Debenture	1 property	25/01/2011	28/03/2022
satisfied	National Westminster Bank National Westminster Bank PLC	Legal charge	1 property	10/08/2007	28/01/2011
satisfied	National Westminster Bank National Westminster Bank PLC	Debenture	1 property	08/08/2007	28/01/2011

Click column headers to sort. Use filters above to narrow by status and lender.