A & J RYAN HOLDINGS LIMITED
- · Oldest live charge 10.6y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (78/100, director aged 72). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · oldest 10.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-03-31 |
|---|---|
| Average employees | 4500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 miscellaneous
- • 1 confirmation-statement
- • 1 miscellaneous
Corporate timeline (25 events)Click to expand
- 2026-05-20📄legacymiscellaneous · RPCH01
- 2026-01-07📄accounts-with-accounts-type-mediumaccounts · AA
- 2024-12-23📄accounts-with-accounts-type-mediumaccounts · AA
- 2023-11-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-13📄accounts-with-accounts-type-fullaccounts · AA
- 2023-03-21📄accounts-with-accounts-type-fullaccounts · AA
- 2022-03-28📄accounts-with-accounts-type-fullaccounts · AA
- 2021-04-01📄accounts-with-accounts-type-fullaccounts · AA
- 2020-01-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-01-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-01-13🔓Charge satisfied #3
- 2020-01-13🔓Charge satisfied #1
- 2020-01-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-01-06🔓Charge satisfied #2
- 2019-12-05📄accounts-with-accounts-type-groupaccounts · AA
- 2019-01-03📄accounts-with-accounts-type-smallaccounts · AA
- 2017-12-29📄accounts-with-accounts-type-smallaccounts · AA
- 2017-01-08📄accounts-with-accounts-type-fullaccounts · AA
- 2015-12-24🔒Charge registered #3Lender: Lloyds Bank PLC
- 2015-12-18🔒Charge registered #2Lender: Lloyds Bank PLC
- 2015-12-18🔒Charge registered #1Lender: Lloyds Bank PLC
- 2013-07-24🏢Company incorporatedAs A & J RYAN HOLDINGS LIMITED
- 2013-07-24➕RYAN, John Joseph appointedsecretary
- 2013-07-24➕RYAN, Anthony Patrick appointeddirector
- 2013-07-24➕RYAN, John Joseph appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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 "RYAN" — strong identity link between founder and business.
- +Founder age: Director aged approximately 72 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Joseph Ryan Individual · British · DOB 12/1954 · age 72 | 25–50% | — | 25-50% shares | 24/07/2016 |
Mr Anthony Patrick Ryan Individual · British · DOB 05/1957 · age 69 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 24/07/2016 |
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 (3 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 24/12/2015 | 13/01/2020 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 18/12/2015 | 06/01/2020 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 18/12/2015 | 13/01/2020 |