J & M TAYLOR (HOLDINGS) LIMITED
Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (78/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -61% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · oldest 37.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 37.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 · 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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £3.55M | £3.47M |
| Current assets | £197.0k | £326.8k |
| Cash | £125.1k | £317.3k |
| Debtors | £70.9k | £8.4k |
| Net assets | £3.35M | £3.27M |
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 accounts
- • 1 confirmation-statement
Corporate timeline (22 events)Click to expand
- 2025-12-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-03-17🔓Charge satisfied #3
- 2020-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-09-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-09-03🔓Charge satisfied #2
- 2020-09-03🔓Charge satisfied #1
- 2019-09-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-10📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-10📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-08-27📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 1992-04-23🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 1990-05-14🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1989-04-04🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1978-04-04🏢Company incorporatedAs J & M TAYLOR (HOLDINGS) LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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 "TAYLOR" — strong identity link between founder and business.
- +Founder age: Director aged approximately 81 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 48 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ian Taylor Individual · British · DOB 01/1945 · age 81 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 06/04/2016 |
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.
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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 (3 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 2 properties | 23/04/1992 | 17/03/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 14/05/1990 | 03/09/2020 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 04/04/1989 | 03/09/2020 |