ANDREW GRAY & ASSOCIATES LIMITED
🏛️Establishedactive
11795479 · ltd · incorporated 2019-01-29
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 69-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (79/100)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
Confirmed no charges registered
85
Directors & officers
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
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
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 600 | 600 |
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
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-03-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-03-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-01➖FAIRLIE, Leanne resigneddirector
- 2022-09-01➖GRAY, Tania Fiona resigneddirector
- 2021-10-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-10📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2019-07-06📄resolutionresolution · RESOLUTIONS
- 2019-07-06✏️change-of-name-noticechange-of-name · CONNOT
- 2019-06-24📄resolutionresolution · RESOLUTIONS
- 2019-06-20📄capital-allotment-sharescapital · SH01
- 2019-06-11➕FAIRLIE, Leanne appointeddirector
- 2019-06-11➕GRAY, Tania Fiona appointeddirector
- 2019-06-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-06-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-05-31➕GRAY, Andrew George appointeddirector
- 2019-05-20➖FAIRLIE, Leanne resigneddirector
- 2019-01-29🏢Company incorporatedAs ANDREW GRAY & ASSOCIATES LIMITED
- 2019-01-29➕FAIRLIE, Iain Alexander appointeddirector
- 2019-01-29➕FAIRLIE, Leanne appointeddirector
Owner dependency
88/100
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 "GRAY" — strong identity link between founder and business.
- +Founder age: Director aged approximately 69 — succession pressure is live.
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 69. 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.)
Group structure
Gray Fairlie Wealth Management Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Gray Fairlie Wealth Management Ltd
Corporate parent · holds 75-100% shares · board control
⬇
ANDREW GRAY & ASSOCIATES LIMITED
This company · 11795479
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Gray Fairlie Wealth Management Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 26/02/2025 |
3 historic (ceased) PSCs
- Mr Andrew George Grayceased 26/02/2025· 25-50% shares · 25-50% voting
- Mr Iain Alexander Fairlieceased 26/02/2025· 25-50% shares · 25-50% voting
- Mrs Leanne Fairlieceased 20/05/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Financial services · MK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A WARMAN LIMITED→ 12010933 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACCESSIBLE INSURANCE SERVICES LTD→ 13415923 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AD VALOREM WEALTH MANAGEMENT SERVICES LIMITED→ 16528307 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALBURJ INVESTMENTS LTD→ 12359931 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ALEX EDDY MORTGAGE SOLUTIONS LTD→ 16946504 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALT ASSET FINANCE LIMITED→ 04489879 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| AMLION RISK SOLUTIONS LIMITED→ 07578665 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| AMSTEL FUND MANAGEMENT LIMITED→ 10333161 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ANDREW REYNOLDS MORTGAGES LTD→ 11703908 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ANDREWS SECURITY SYSTEMS LTD→ 10613885 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ANGMAC LTD→ 05335548 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| ANTHONY & CO ASSET MANAGEMENT LTD→ 09954526 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2019-01-29
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
10 The Green
Bassett Court
Newport Pagnell
MK16 0JW
United Kingdom
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-02-11
Last: 2026-01-28
Officers (2 active · 3 resigned)
FAIRLIE, Iain Alexander→
Activedirector · ~51y · appointed 2019-01-29
View their other companies + combined net worth →
GRAY, Andrew George→
Activedirector · ~69y · appointed 2019-05-31
View their other companies + combined net worth →
FAIRLIE, Leanne→
Resigneddirector · ~49y · appointed 2019-06-11 · resigned 2022-09-01
FAIRLIE, Leanne→
Resigneddirector · ~49y · appointed 2019-01-29 · resigned 2019-05-20
GRAY, Tania Fiona→
Resigneddirector · ~64y · appointed 2019-06-11 · resigned 2022-09-01
Click a director name to see their full track record across all companies.
Recent filings (31 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-17
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-25
termination-director-company-with-name-termination-date
officers · TM01
2022-09-02
termination-director-company-with-name-termination-date
officers · TM01
2022-09-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-14