164 SJM LTD
Opportunity 72/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: distressed disposal / insolvency (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 4.4y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.4 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £579.9k | £578.6k |
| Current assets | — | £4.2k |
| Cash | £3.6k | £4.2k |
| Net assets | £-16.3k | £-17.6k |
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
Corporate timeline (15 events)Click to expand
- 2025-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-05🔒Charge registered #3Lender: Aldermore Bank PLC
- 2022-08-05📄memorandum-articlesincorporation · MA
- 2022-08-02📄resolutionresolution · RESOLUTIONS
- 2022-02-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-18🔒Charge registered #2Lender: Paratus Amc Limited
- 2021-11-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-16🔒Charge registered #1Lender: Paratus Amc Limited
- 2021-07-09🏢Company incorporatedAs 164 SJM LTD
- 2021-07-09➕MAKEY, Leah Jayne appointeddirector
- 2021-07-09📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
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 |
|---|---|---|---|---|
Mrs Leah Jayne Makey Individual · British · DOB 02/1983 · age 43 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 09/07/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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9 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 | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 05/09/2022 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 18/02/2022 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 16/11/2021 | — |