A & C RUSHTON LTD

🌳Matureactive

09016683 · ltd · incorporated 2014-04-29

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 Apr 2025

Net worth

£14.2k

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 69-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

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

Director network

Network not yet resolved

Filing history

24 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £14,189

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£14k

↑ 94% YoY

Current Assets

£54k

↑ 5.0% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-04-30	2024-04-30
Total assets	£15.5k	£8.6k
Current assets	£53.7k	£51.2k
Net assets	£14.2k	£7.3k

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

Recent activity

Last 30 days

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (17 events)Click to expand

2025-11-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-08
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-01-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-01-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-01-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-06-07
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-01-28
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-06-08
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-04-29
🏢
Company incorporated
As A & C RUSHTON LTD
2014-04-29
➕
RUSHTON, Alan George appointed
director
2014-04-29
➕
RUSHTON, Christine appointed
director
2014-04-29
📄
incorporation-company
incorporation · NEWINC

Owner dependency

100/100

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 "RUSHTON" — strong identity link between founder and business.
+Founder age: Director aged approximately 69 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

69/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

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 12 years.
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%

Name	Shares	Voting rights	Nature of control	Notified
Mr Alan George Rushton Individual · British · DOB 06/1957 · age 69	75–100%	—	75-100% 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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ALAN RYAN FINANCIAL SERVICES LTD→ 09423383 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
AMAYA NR LIMITED→ 11151905 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
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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.

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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.

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Company details

Statusactive

Typeltd

Incorporated2014-04-29

Jurisdictionengland-wales

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

32 Tulip Close

Chadderton

Oldham

OL9 9TF

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2027-05-13

Last: 2026-04-29

Officers (2 active · 0 resigned)

RUSHTON, Alan George→

director · ~69y · appointed 2014-04-29

View their other companies + combined net worth →

Active

RUSHTON, Christine→

director · ~58y · appointed 2014-04-29

View their other companies + combined net worth →

Active

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