A.J. AND G PROPERTIES LIMITED
Opportunity 74/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 8.2y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 8.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)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 · accounting standard unknown| Metric | 2025-02-28 | 2024-02-29 |
|---|
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 confirmation-statement
- • 1 confirmation-statement
- • 1 mortgage
Corporate timeline (18 events)Click to expand
- 2026-04-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-10🔒Charge registered #3Lender: Fleet Mortgages Limited
- 2025-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-14📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-07-08🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2019-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-05-04🔒Charge registered #1Lender: Precise Mortgages
- 2018-02-19🏢Company incorporatedAs A.J. AND G PROPERTIES LIMITED
- 2018-02-19➕BRAIN, David Lawrence Adrian appointeddirector
- 2018-02-19➕EVANS, Jonathan Gerald appointeddirector
- 2018-02-19📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +No director turnover: Company is 8 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jonathan Gerald Evans Individual · Welsh · DOB 05/1978 · age 48 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 19/02/2018 |
Mr David Lawrence Adrian Brain Individual · British · DOB 02/1974 · age 52 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 19/02/2018 |
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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|---|---|---|---|---|---|---|---|
| ACCENTRIC LIMITED→ 04160771 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
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| AERON PROPERTIES LIMITED→ 06765850 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
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| AGINCOURT CAPITAL LTD→ 03866557 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| AGMG CAPITAL LTD→ 15730791 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AGMG INVESTMENTS LTD→ 15755205 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 10/04/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 08/07/2019 | — | |
| outstanding | Precise Mortgages | A registered charge | 1 property | 04/05/2018 | — |