RJMJS 4 LIMITED
- · Oldest live charge 9.6y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
5 live charges · oldest 9.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
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 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | — | £498.0k |
| Current assets | — | £314.7k |
| Cash | — | £137.5k |
| Debtors | — | £177.2k |
| Net assets | — | £408.0k |
| Average employees | 500 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 5 mortgage
- • 5 mortgage
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (36 events)Click to expand
- 2026-05-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-20🔓Charge satisfied #5
- 2026-05-20🔓Charge satisfied #4
- 2026-05-20🔓Charge satisfied #3
- 2026-05-20🔓Charge satisfied #2
- 2026-05-20🔓Charge satisfied #1
- 2026-02-09📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-08-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-05-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-03🔒Charge registered #5Lender: Julian Hodge Bank Limited
- 2021-07-19🔒Charge registered #4Lender: Julian Hodge Bank Limited
- 2016-12-09🔒Charge registered #3Lender: Julian Hodge Bank Limited
- 2016-12-09🔒Charge registered #2Lender: Julian Hodge Bank Limited
- 2016-12-09🔒Charge registered #1Lender: Julian Hodge Bank Limited
- 2016-04-07➕WINTON, Joseph David appointeddirector
- 2016-02-09🏢Company incorporatedAs RJMJS 4 LIMITED
- 2016-02-09➕COLES, Simon Edward appointeddirector
- 2016-02-09➕FELSTEAD, Mark Thomas appointeddirector
- 2016-02-09➕PAUL, Robert William John appointeddirector
- 2016-02-09➕PEARSON, John Edward appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- 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.
Group structure
Ma020 Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ma020 Ltd Corporate entity | 75–100% | — | 75-100% shares | 12/04/2021 |
1 historic (ceased) PSC
- Ma020 Ltdceased 19/03/2021· 75-100% shares
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 (5 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Julian Hodge Bank Julian Hodge Bank Limited | A registered charge | — | 03/09/2021 | 20/05/2026 | |
| satisfied | Julian Hodge Bank Julian Hodge Bank Limited | A registered charge | 1 property | 19/07/2021 | 20/05/2026 | |
| satisfied | Julian Hodge Bank Julian Hodge Bank Limited | A registered charge | 1 property | 09/12/2016 | 20/05/2026 | |
| satisfied | Julian Hodge Bank Julian Hodge Bank Limited | A registered charge | — | 09/12/2016 | 20/05/2026 | |
| satisfied | Julian Hodge Bank Julian Hodge Bank Limited | A registered charge | 1 property | 09/12/2016 | 20/05/2026 |