A&M HARRIS LTD
🏛️Establishedactive
10903941 · ltd · incorporated 2017-08-08
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 7.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£494.0k
book net assets
Opportunity
78/100
Strong
What this business does
Likely operates one or more retail stores in Newport, Wales, selling food, beverages, or tobacco as the primary product mix — typical of a convenience store, newsagent, or small grocery — with the Harris family name suggesting an independent, owner-managed business.
Primary activity: Retail sale in non-specialised stores with food, beverages or tobacco predominating
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 66-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
3 live charges · oldest 7.9y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £493,972
Key financials
2 years extracted from filed iXBRL accountsCash
£197k
Net Worth
£494k
Current Assets
£271k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £588.9k | — |
| Current assets | £270.7k | — |
| Cash | £197.2k | — |
| Debtors | £13.5k | — |
| Net assets | £494.0k | — |
| Average employees | — | 1800 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2025-12-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-02-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-02-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-01-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-05-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-01-19📄mortgage-charge-part-release-with-charge-numbermortgage · MR05
- 2020-06-26📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2020-03-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-03-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-03-09📄capital-cancellation-sharescapital · SH06
- 2020-03-09📄capital-return-purchase-own-sharescapital · SH03
- 2019-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-12-16🔒Charge registered #3Lender: Lloyds Bank PLC
- 2019-07-11📄capital-allotment-sharescapital · SH01
- 2018-10-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-09-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-08-31🔒Charge registered #2Lender: Lloyds Bank PLC
- 2018-06-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-06-14🔒Charge registered #1Lender: Lloyds Bank PLC
- 2017-08-08🏢Company incorporatedAs A&M HARRIS LTD
- 2017-08-08➕HARRIS, Angela appointeddirector
- 2017-08-08➕HARRIS, Malcolm appointeddirector
Owner dependency
100/100
Critical — business is the founderThe 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 "HARRIS" — strong identity link between founder and business.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Malcolm Harris Individual · British · DOB 03/1960 · age 66 | — | — | sig. influencesignificant influence | 08/08/2017 |
Mrs Angela Harris Individual · British · DOB 04/1963 · age 63 | — | — | sig. influencesignificant influence | 08/08/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
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| AGILIS SPORT LIMITED→ 13039984 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AHIMSA HOLISTICS LTD→ 13288047 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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 →🔒Advanced scoring suite
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
Statusactive
Typeltd
Incorporated2017-08-08
Jurisdictionwales
Primary SIC47110 — Retail sale in non-specialised stores with food, beverages or tobacco predominating
Registered office
Beech House Croespenmaen
Crumlin
Newport
NP11 3BJ
Wales
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-08-21
Last: 2025-08-07
Officers (2 active · 0 resigned)
HARRIS, Angela→
Activedirector · ~63y · appointed 2017-08-08
View their other companies + combined net worth →
HARRIS, Malcolm→
Activedirector · ~66y · appointed 2017-08-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 16/12/2019 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 31/08/2018 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 14/06/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (26 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-08
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-02-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-05-06
mortgage-charge-part-release-with-charge-number
mortgage · MR05
2021-01-19
confirmation-statement-with-updates
confirmation-statement · CS01
2020-08-17
change-account-reference-date-company-current-extended
accounts · AA01
2020-06-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-03-16