ARR & JAY LTD
Opportunity 74/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
1 live charge · oldest 13.2y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 13.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £68.2k | £68.2k |
| Current assets | £185.4k | £185.4k |
| Net assets | £68.2k | £68.2k |
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 confirmation-statement
Corporate timeline (19 events)Click to expand
- 2025-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-12-14📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-10-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-04-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-02-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-02-23🔓Charge satisfied #1
- 2016-04-14📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-03-01🔒Charge registered #1Lender: Hsbc Bank PLC
- 2013-01-04🏢Company incorporatedAs ARR & JAY LTD
- 2013-01-04➕WILLCOCK, Richard Paul appointeddirector
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.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Richard Paul Willcock Individual · British · DOB 04/1970 · age 56 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 01/03/2013 | 23/02/2017 |