A N RICHARDS LIMITED
🌳Matureactive
06477166 · ltd · incorporated 2008-01-18
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 Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 69-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (93/100, director aged 69). 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 (65/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 15.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 15.3 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 (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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 4900 | 4800 |
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
0
filings
Last 90 days
1
filing
- • 1 officers
Last 180 days
3
filings
- • 1 officers
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-04-24➖RICHARDS, Neville Gary resigneddirector
- 2026-04-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-17📄capital-name-of-class-of-sharescapital · SH08
- 2025-06-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-25🔓Charge satisfied #3
- 2025-06-25🔓Charge satisfied #2
- 2025-05-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-20🔓Charge satisfied #1
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-29📄memorandum-articlesincorporation · MA
- 2024-10-29📄resolutionresolution · RESOLUTIONS
- 2024-10-25📄capital-name-of-class-of-sharescapital · SH08
- 2024-10-23📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2024-10-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-10📄memorandum-articlesincorporation · MA
- 2023-08-10📄resolutionresolution · RESOLUTIONS
- 2023-08-04📄capital-name-of-class-of-sharescapital · SH08
- 2023-08-03📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2022-12-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-17➕COOKE, Johanna Maria appointeddirector
- 2022-11-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-11-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-12🔒Charge registered #3Lender: Barclays Security Trustee Limited
- 2015-12-22🔒Charge registered #2Lender: Barclays Bank PLC
- 2011-02-08🔒Charge registered #1Lender: Barclays Mercantile Business Finance Limited
- 2008-01-18🏢Company incorporatedAs A N RICHARDS LIMITED
- 2008-01-18➕COOKE, Johanna appointedsecretary
- 2008-01-18➕RICHARDS, Brynley appointeddirector
- 2008-01-18➕RICHARDS, Neville Gary appointeddirector
Owner dependency
98/100
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.
- +Founder name in company name: Company name contains director surname "RICHARDS" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
79/100
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 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 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
mediumMultiple 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 |
|---|---|---|---|---|
Mr Bryn Richards Individual · British · DOB 01/1957 · age 69 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/03/2018 |
2 historic (ceased) PSCs
- Mr Neville Gary Richardsceased 28/03/2018· 25-50% shares
- Mr Bryn Richardsceased 28/03/2018· 25-50% shares
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.
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|---|---|---|---|---|---|---|---|
| A & G REPAIRS LIMITED→ 14718574 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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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
Incorporated2008-01-18
Jurisdictionengland-wales
Primary SIC45200 — SIC 45200
Registered office
Lime Kiln Yard, Holyhead Road
Froncysyllte
Llangollen
LL20 7RA
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-01
Last: 2026-01-18
Officers (3 active · 1 resigned)
Active
COOKE, Johanna Maria→
Activedirector · ~45y · appointed 2022-11-17
View their other companies + combined net worth →
RICHARDS, Brynley→
Activedirector · ~69y · appointed 2008-01-18
View their other companies + combined net worth →
RICHARDS, Neville Gary→
Resigneddirector · ~78y · appointed 2008-01-18 · resigned 2026-04-24
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Security Trustee Limited | A registered charge | — | 12/05/2020 | 25/06/2025 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 22/12/2015 | 25/06/2025 | |
| satisfied | Barclays Barclays Mercantile Business Finance Limited | Assignment and charge of sub-leasing agreements | 1 property | 08/02/2011 | 20/05/2025 |
Recent filings (67 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-04-24
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-17
capital-name-of-class-of-shares
capital · SH08
2025-10-17
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-25
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-25
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
memorandum-articles
incorporation · MA
2024-10-29
resolution
resolution · RESOLUTIONS
2024-10-29
capital-name-of-class-of-shares
capital · SH08
2024-10-25
capital-variation-of-rights-attached-to-shares
capital · SH10
2024-10-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-18