A&J PROPERTY SOLUTIONS LTD
Opportunity 73/100 (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 6.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
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 · FRS 102Key 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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £69.7k | £69.1k |
| Current assets | £58.4k | £57.4k |
| Cash | £58.4k | £57.4k |
| Net assets | £7.6k | £4.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 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
Corporate timeline (21 events)Click to expand
- 2025-11-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-31🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2025-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-11-12🔒Charge registered #2Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2020-06-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-06-30🔓Charge satisfied #1
- 2020-06-10📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-10-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-01🔒Charge registered #1Lender: Mint Bridging Limited
- 2018-10-21🏢Company incorporatedAs A&J PROPERTY SOLUTIONS LTD
- 2018-10-21➕SUMMERS, Andrew Martin appointeddirector
- 2018-10-21📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Martin Summers Individual · British · DOB 03/1980 · age 46 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/10/2018 |
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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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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 31/07/2025 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 12/11/2020 | — | |
| satisfied | Mint Bridging Mint Bridging Limited | A registered charge | 1 property | 01/10/2019 | 30/06/2020 |