A.E. HOLLAND MEMORIALS LTD
- · Oldest live charge 8.6y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · oldest 8.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)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 · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £281.3k | £305.2k |
| Current assets | £130.6k | £138.8k |
| Cash | £59.1k | £40.6k |
| Debtors | £41.0k | £66.9k |
| Net assets | £120.5k | £123.9k |
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 accounts
- • 1 accounts
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (23 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-22📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2019-03-19📄capital-allotment-sharescapital · SH01
- 2019-03-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-04📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2018-01-26➕LOWERY, Matthew Anthony appointeddirector
- 2018-01-26➕LOWERY, Stephen appointeddirector
- 2017-12-15🔒Charge registered #4Lender: National Westminster Bank PLC
- 2017-12-15🔒Charge registered #3Lender: National Westminster Bank PLC
- 2017-12-15🔒Charge registered #2Lender: National Westminster Bank PLC
- 2017-09-13🔒Charge registered #1Lender: National Westminster Bank PLC
- 2017-06-13🏢Company incorporatedAs A.E. HOLLAND MEMORIALS LTD
- 2017-06-13➕LOWERY, Christopher Stephen appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
Red flags
cleanShareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen Lowery Individual · British · DOB 01/1965 · age 61 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/12/2024 |
Mr Matthew Anthony Lowery Individual · British · DOB 12/1990 · age 36 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/12/2024 |
Mr Christopher Stephen Lowery Individual · British · DOB 07/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 13/06/2017 |
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.
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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 | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 15/12/2017 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 15/12/2017 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 15/12/2017 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 13/09/2017 | — |