JHC INTERIORS LTD.

🌳Matureactive
SC095408 · ltd · incorporated 1985-10-04
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£20.4k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other building completion and finishing
Sector: Construction
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 65/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -72% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 25.5y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 25.5 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (76/100)

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
12 officers (3 active, 12 linked, 5 with DOB)
78
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
119 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £20,415
Very low cash
Cash position: £76
Cash draining
Cash down 72% YoY
Cash YoY
-72%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£76
↓ 72% YoY
Net Worth
£20k
↑ 1651% YoY
Current Assets
£106k
↓ 18% YoY
Current Liabilities
—
£0£26k£52k£78k£104k£130kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£20.4k£1.2k
Current assets£106.0k£129.9k
Cash£76£276
Debtors£6.9k£13.0k
Net assets£20.4k£1.2k

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
  1. 2025-02-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-30
    ➕
    HENDRY, Deborah Anne appointed
    secretary
  3. 2024-08-30
    ➕
    MCDOWALL, Stuart appointed
    director
  4. 2024-08-30
    ➖
    HENDRY, Paul resigned
    secretary
  5. 2024-08-30
    ➖
    HENDRY, James resigned
    director
  6. 2024-08-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2024-08-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2024-08-30
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  9. 2024-08-30
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  10. 2024-06-06
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2024-06-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  12. 2024-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2023-12-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2022-11-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2022-04-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2021-09-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-03-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2018-03-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2017-02-01
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  21. 2016-09-30
    ➕
    HENDRY, Paul appointed
    secretary
  22. 2016-09-30
    ➖
    MACCORMACK, Tracey Catherine resigned
    secretary
  23. 2008-10-01
    ➕
    MACCORMACK, Tracey Catherine appointed
    secretary
  24. 2008-09-30
    ➖
    HENDRY, James resigned
    secretary
  25. 2008-09-30
    ➖
    HENDRY, Paul resigned
    secretary
  26. 2005-11-22
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  27. 2005-01-22
    🔓
    Charge satisfied #1
  28. 2004-10-05
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  29. 2004-10-01
    ➕
    HENDRY, Paul appointed
    secretary
  30. 2004-09-30
    ➖
    HENDRY, Brian resigned
    secretary
  31. 2004-09-30
    ➕
    HENDRY, James appointed
    secretary
  32. 2004-09-30
    ➖
    HENDRY, Brian resigned
    director
  33. 2004-06-25
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  34. 2002-10-04
    ➕
    HENDRY, Brian appointed
    director
  35. 2001-08-08
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  36. 2000-11-02
    ➕
    HENDRY, Brian appointed
    secretary
  37. 2000-11-02
    ➖
    HENDRY, James resigned
    secretary
  38. 2000-11-01
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  39. 1997-09-03
    ➖
    HENDRY, Helen resigned
    director
  40. 1992-09-01
    ➕
    HENDRY, Paul appointed
    director
  41. 1985-10-04
    🏢
    Company incorporated
    As JHC INTERIORS LTD.

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 34 years. Very long tenure is a classic succession signal.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Paul Hendry
Individual · British · DOB 08/1963 · age 63
75–100%
—75-100% shares16/04/2024
1 historic (ceased) PSC
  • Mr James Hendryceased 16/04/2024· 50-75% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated1985-10-04
Jurisdictionscotland
Primary SIC43390 — Other building completion and finishing

Registered office

10 Lady Lane
Paisley
Renfrewshire
PA1 2LJ

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-06-20
Last: 2025-06-06

Officers (3 active · 9 resigned)

HENDRY, Deborah Anne→
secretary · appointed 2024-08-30
View their other companies + combined net worth →
Active
HENDRY, Paul→
director · ~63y · appointed 1992-09-01
View their other companies + combined net worth →
Active
MCDOWALL, Stuart→
director · ~63y · appointed 2024-08-30
View their other companies + combined net worth →
Active
HENDRY, Brian→
secretary · appointed 2000-11-02 · resigned 2004-09-30
Resigned
HENDRY, James→
secretary · appointed 2004-09-30 · resigned 2008-09-30
Resigned
HENDRY, James→
secretary · resigned 2000-11-02
Resigned
HENDRY, Paul→
secretary · appointed 2016-09-30 · resigned 2024-08-30
Resigned
HENDRY, Paul→
secretary · appointed 2004-10-01 · resigned 2008-09-30
Resigned
MACCORMACK, Tracey Catherine→
secretary · appointed 2008-10-01 · resigned 2016-09-30
Resigned
HENDRY, Brian→
director · ~57y · appointed 2002-10-04 · resigned 2004-09-30
Resigned
HENDRY, Helen→
director · ~86y · resigned 1997-09-03
Resigned
HENDRY, James→
director · ~88y · resigned 2024-08-30
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

5
Total charges
4
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security2 properties22/11/2005—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property05/10/2004—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property25/06/2004—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property08/08/2001—
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property01/11/200022/01/2005
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (119 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-14
termination-director-company-with-name-termination-date
officers · TM01
2024-08-30
appoint-person-director-company-with-name-date
officers · AP01
2024-08-30
appoint-person-secretary-company-with-name-date
officers · AP03
2024-08-30
termination-secretary-company-with-name-termination-date
officers · TM02
2024-08-30
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-06-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-06-06
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-30
change-person-director-company-with-change-date
officers · CH01
2023-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-21