AG & RJ HOLDINGS LIMITED
🏛️Establishedactive
13157097 · ltd · incorporated 2021-01-25
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 5.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£15.1k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 75-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · oldest 5.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.3 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
2 charges (2/2 with lender, 2/2 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
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
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 →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 · accounting standard not declaredPositive net assets
Net assets £15,129
Cash YoY
+237%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£8k
↑ 237% YoY
Net Worth
£15k
↑ 35% YoY
Current Assets
£8k
↑ 162% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £101.0k | £97.1k |
| Current assets | £7.8k | £3.0k |
| Cash | £7.5k | £2.2k |
| Debtors | £259 | £739 |
| Net assets | £15.1k | £11.2k |
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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (14 events)Click to expand
- 2025-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-02-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-05-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-07🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2021-04-30🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2021-01-25🏢Company incorporatedAs AG & RJ HOLDINGS LIMITED
- 2021-01-25➕WAKELY, Alexander George appointeddirector
- 2021-01-25➕WAKELY, Richard John appointeddirector
- 2021-01-25📄incorporation-companyincorporation · NEWINC
Owner dependency
86/100
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 age: Director aged approximately 75 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- 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 Alexander George Wakely Individual · British · DOB 11/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/01/2021 |
Mr Richard John Wakely Individual · British · DOB 11/1951 · age 75 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/01/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| A & C PROPERTY (MIDLANDS) LIMITED→ 11907053 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| A GREEN BUILT HOME LIMITED→ 14427529 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A.I.C. COMMERCIAL PROPERTIES LIMITED→ 16253260 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A.J.MACKANESS LIMITED→ 00409752 · est 1946 · no financials extracted | — | — | — | — | 79y | — | — |
| ADAMS & ASSOCIATES DEVELOPMENTS LTD→ 12116970 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADONAI HEALTHCARE VENTURES LTD→ 10812023 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AFIZ AMINA LTD→ 16365026 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AFP LIMITED→ 05407990 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| AGAMAR HOUSES LTD→ 12468347 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| AGENCEE GROUP LIMITED→ 12253512 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AGM LETTINGS LTD→ 14367445 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AGNES JAMES LTD→ 10211281 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2021-01-25
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
22-24 Harborough Road Kingsthorpe
Northampton
NN2 7AZ
United Kingdom
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-02-07
Last: 2026-01-24
Officers (2 active · 0 resigned)
WAKELY, Alexander George→
Activedirector · ~38y · appointed 2021-01-25
View their other companies + combined net worth →
WAKELY, Richard John→
Activedirector · ~75y · appointed 2021-01-25
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 07/05/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 30/04/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (14 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-02-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-02-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-05-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-05-14
incorporation-company
incorporation · NEWINC
2021-01-25