AM & SA HOWIE LTD.

🌳Matureactive
07604627 · ltd · incorporated 2011-04-14
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 7.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
£-1.05M
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 7.4y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 7.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (73/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
46 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 declared
Negative net assets
Liabilities exceed assets by £1,054,008

Key financials

1 year extracted from filed iXBRL accounts
Cash
£14k
Net Worth
-£1.1m
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-31
Cash£14.4k
Net assets£-1.05M

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

🔒Filing-note intelligence

4 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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-12-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-09-08
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  3. 2025-02-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-02-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-02-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-04-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2022-03-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-03-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2022-03-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2022-03-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2022-03-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2022-03-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2022-01-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2021-02-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-11-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-02-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2019-01-30
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  18. 2018-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2011-04-14
    🏢
    Company incorporated
    As AM & SA HOWIE LTD.
  20. 2011-04-14
    ➕
    HOWIE, Angus Macpherson appointed
    director
  21. 2011-04-14
    ➕
    HOWIE, Susan Ann appointed
    director
  22. 2011-04-14
    ➕
    MABBOTT, Stephen George appointed
    director
  23. 2011-04-14
    ➖
    MABBOTT, Stephen George resigned
    director

Owner dependency

99/100
Critical — business is the founder

The 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 "HOWIE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. 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 15 years.
  • secondaryStable-but-static management: Company is 15 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

clean
No 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Susan Ann Howie
Individual · British · DOB 04/1962 · age 64
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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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
Incorporated2011-04-14
Jurisdictionengland-wales
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

Sunrise Farm
Cheriton Bishop
Exeter
Devon
EX6 6HF
England

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09

Officers (2 active · 1 resigned)

HOWIE, Angus Macpherson→
director · ~61y · appointed 2011-04-14
View their other companies + combined net worth →
Active
HOWIE, Susan Ann→
director · ~64y · appointed 2011-04-14
View their other companies + combined net worth →
Active
MABBOTT, Stephen George→
director · ~76y · appointed 2011-04-14 · resigned 2011-04-14
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—30/01/2019—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (46 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-10
change-account-reference-date-company-previous-extended
accounts · AA01
2025-09-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-04-29
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-28
change-person-director-company-with-change-date
officers · CH01
2022-03-15
change-person-director-company-with-change-date
officers · CH01
2022-03-15
change-person-director-company-with-change-date
officers · CH01
2022-03-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-03-15