A & G HOLDINGS (NORWICH) LTD
- · Oldest live charge 4.2y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · oldest 4.2y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.2 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £309.5k | £311.1k |
| Current assets | £4.7k | £1.1k |
| Net assets | £36.4k | £27.7k |
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
- • 1 confirmation-statement
Corporate timeline (13 events)Click to expand
- 2025-04-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-08🔒Charge registered #2Lender: Hsbc UK Bank PLC
- 2022-03-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-23🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2022-01-21📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2022-01-05🏢Company incorporatedAs A & G HOLDINGS (NORWICH) LTD
- 2022-01-05➕NEWSTEAD, Alison Jayne appointeddirector
- 2022-01-05➕NEWSTEAD, Grant Maxwell appointeddirector
- 2022-01-05📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Alison Jayne Newstead Individual · British · DOB 06/1965 · age 61 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 05/01/2022 |
Mr Grant Maxwell Newstead Individual · British · DOB 03/1995 · age 31 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 05/01/2022 |
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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 08/06/2022 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 23/03/2022 | — |