T J ROSS (JOINERS) LIMITED
Opportunity 69/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
9 live charges · 6 lenders · oldest 43.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 43.3 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)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.
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 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
- • 3 persons-with-significant-control
- • 1 confirmation-statement
- • 1 officers
- • 3 persons-with-significant-control
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (43 events)Click to expand
- 2026-03-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-03-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-02-27➖RICHARDSON, Martin Peter resigneddirector
- 2025-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-08📄change-person-director-company-with-change-dateofficers · CH01
- 2021-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-03-31➕RICHARDSON, Alyn John appointeddirector
- 2011-11-26➕RICHARDSON, Alyn John appointedsecretary
- 2011-10-25➖HAIN, Murray resignedsecretary
- 2003-10-10➖RICHARDSON, Elizabeth resigneddirector
- 2001-12-18➕HAIN, Murray appointedsecretary
- 2001-12-17➖RICHARDSON, Elizabeth resignedsecretary
- 2000-04-27🔒Charge registered #9Lender: Fife Council
- 2000-04-21🔒Charge registered #8Lender: The Royal Bank of Scotland PLC
- 2000-04-10🔒Charge registered #7Lender: Scottish Enterprise Fife Limited
- 1997-09-08🔓Charge satisfied #5
- 1993-01-27🔒Charge registered #6Lender: The Fife Regional Council
- 1992-12-18🔒Charge registered #5Lender: The Fife Regional Council
- 1992-06-17🔓Charge satisfied #1
- 1992-06-10🔓Charge satisfied #2
- 1992-04-13🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 1992-04-03➕RICHARDSON, Elizabeth appointedsecretary
- 1992-04-03➖ROLLO DAVIDSON MCFARLANE, Messrs resignedsecretary
- 1992-04-03➕RICHARDSON, Elizabeth appointeddirector
- 1992-04-03➕RICHARDSON, Martin Peter appointeddirector
- 1992-04-03➖ROSS, Irene Robertson resigneddirector
- 1992-04-03➖ROSS, Thomas James resigneddirector
- 1992-04-03🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 1983-02-23🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1983-01-26🔒Charge registered #1Lender: Scottish Development Agency
- 1982-08-30🏢Company incorporatedAs T J ROSS (JOINERS) LIMITED
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
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 44 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Mmr Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mmr Limited Corporate entity | 75–100% | — | 75-100% shares | 27/02/2026 |
2 historic (ceased) PSCs
- Mr Alyn John Richardsonceased 27/02/2026· 25-50% shares · 25-50% voting
- Mr Martin Peter Richardsonceased 27/02/2026· 50-75% shares · 50-75% voting · board control
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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|---|---|---|---|---|---|---|---|
| FTV PROCLAD (U.K.) LIMITED→ SC271316 · est 2004 | — | — | — | 42 | 21y | 85 | 66y |
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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 →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 · 7 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Fife Council | Standard security | 1 property | 27/04/2000 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 21/04/2000 | — | |
| outstanding | Scottish Enterprise Fife Scottish Enterprise Fife Limited | Standard security | 1 property | 10/04/2000 | — | |
| outstanding | The Fife Regional Council | Standard security | 1 property | 27/01/1993 | — | |
| satisfied | The Fife Regional Council | Floating charge | 1 property | 18/12/1992 | 08/09/1997 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 13/04/1992 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Floating charge | 1 property | 03/04/1992 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 23/02/1983 | 10/06/1992 | |
| satisfied | Scottish Development Agency | Standard security | 1 property | 26/01/1983 | 17/06/1992 |