A & G DURHAM LTD
🌿Early-stageactive
13597334 · ltd · incorporated 2021-09-01
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
PursueActive trading company with a 80-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 70/100. Strong seller-intent signal (60/100, director aged 80). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
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
Confirmed no charges registered
85
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
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 | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Average employees | 2 | 200 |
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
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-03-25📄change-person-director-company-with-change-dateofficers · CH01
- 2023-12-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-05-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-03-15📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-02-28📄capital-allotment-sharescapital · SH01
- 2023-02-28📄resolutionresolution · RESOLUTIONS
- 2023-01-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-24➖COOPER, Gary resigneddirector
- 2021-09-01🏢Company incorporatedAs A & G DURHAM LTD
- 2021-09-01➕COOPER, Antony appointeddirector
- 2021-09-01➕COOPER, Margaret appointeddirector
- 2021-09-01➕COOPER, Gary appointeddirector
- 2021-09-01📄incorporation-companyincorporation · NEWINC
Owner dependency
81/100
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 80 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 80 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 |
|---|---|---|---|---|
Mrs Margaret Cooper Individual · British · DOB 11/1946 · age 80 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/09/2021 |
Mr Antony Cooper Individual · British · DOB 11/1968 · age 58 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/09/2021 |
1 historic (ceased) PSC
- Mr Gary Cooperceased 30/01/2023· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| 3 PROPERTY INVESTMENTS LIMITED→ 14284252 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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| ACORN PREMIUM FINANCE LIMITED→ 08859790 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ACP (NO 4) LIMITED→ 11990090 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADAM GOLDSTONE HOLDINGS LIMITED→ 15840047 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADAR HOLDINGS LTD→ 13150960 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ADDERSTONE FINANCE LIMITED→ 11816560 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ADW FINANCIAL LIMITED→ 16771670 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AFT WEALTH MANAGEMENT LTD→ 13842021 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2021-09-01
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
A6 Kingfisher House
Kingsway Team Valley Trading Estate
Gateshead
Tyne & Wear
NE11 0JQ
United Kingdom
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-03-29
Last: 2026-03-15
Officers (2 active · 1 resigned)
COOPER, Antony→
Activedirector · ~58y · appointed 2021-09-01
View their other companies + combined net worth →
COOPER, Margaret→
Activedirector · ~80y · appointed 2021-09-01
View their other companies + combined net worth →
COOPER, Gary→
Resigneddirector · ~51y · appointed 2021-09-01 · resigned 2022-11-24
Click a director name to see their full track record across all companies.
Recent filings (17 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-25
change-person-director-company-with-change-date
officers · CH01
2024-03-25
accounts-with-accounts-type-dormant
accounts · AA
2023-12-05
accounts-with-accounts-type-dormant
accounts · AA
2023-05-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-15
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-03-15
capital-allotment-shares
capital · SH01
2023-02-28
resolution
resolution · RESOLUTIONS
2023-02-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-01-31
termination-director-company-with-name-termination-date
officers · TM01
2022-11-25