A&J SMITH PROPERTIES LIMITED
Opportunity 72/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -91% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 8.2y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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 | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Total assets | £120.5k | £109.3k |
| Cash | £11.6k | £130.1k |
| Net assets | £107.5k | £96.3k |
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
Corporate timeline (24 events)Click to expand
- 2025-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-04📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-04📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-01-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-01-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-11-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-11-16🔓Charge satisfied #1
- 2021-11-16🔓Charge satisfied #2
- 2020-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-17📄mortgage-create-with-deed-with-charles-court-order-extend-with-charge-number-charge-creation-datemortgage · MR01
- 2018-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-03-16🔒Charge registered #1Lender: Charter Court Financial Services Limited
- 2018-02-08🔒Charge registered #2Lender: Charter Court Financial Services Limited
- 2017-10-30🏢Company incorporatedAs A&J SMITH PROPERTIES LIMITED
- 2017-10-30➕SMITH, Philip Bryan Robert, Dr appointeddirector
- 2017-10-30➕SMITH, Sarah Jane 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 "SMITH" — strong identity link between founder and business.
- +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
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sarah Jane Smith Individual · British · DOB 09/1972 · age 54 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · trust interest · firm interest | 30/10/2017 |
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.
See pricing →Similar companies
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6 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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 16/03/2018 | 16/11/2021 | |
| satisfied | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 08/02/2018 | 16/11/2021 |