A & H FLOOR COVERING SPECIALISTS LIMITED

🌳Matureactive
SC229101 · ltd · incorporated 2002-03-13
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 23.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Floor and wall covering
Sector: Construction
ALSO REGISTERED FOR
  • 47530Retail sale of carpets, rugs, wall and floor coverings in specialised stores
Investor take
Pursue
Active trading company with a 73-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 23.9y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 23.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (77/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
56 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees500500

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-01-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-01-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2016-12-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-03-15
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2016-01-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-04-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2015-03-30
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  15. 2015-03-16
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2002-05-27
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  18. 2002-03-13
    🏢
    Company incorporated
    As A & H FLOOR COVERING SPECIALISTS LIMITED
  19. 2002-03-13
    ➕
    HENDERSON, Jessie Ann appointed
    secretary
  20. 2002-03-13
    ➕
    HENDERSON, Jessie Ann appointed
    director
  21. 2002-03-13
    ➕
    HENDERSON, Roy Walker appointed
    director
  22. 2002-03-13
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  23. 2002-03-13
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

Owner dependency

91/100
Critical — business is the founder

The 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.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 73 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Jessie Ann Henderson
Individual · British · DOB 10/1956 · age 70
25–50%
25–50%25-50% shares · 25-50% voting30/06/2016
Mr Roy Walker Henderson
Individual · British · DOB 09/1953 · age 73
25–50%
25–50%25-50% shares · 25-50% voting30/06/2016

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
Incorporated2002-03-13
Jurisdictionscotland
Primary SIC43330 — Floor and wall covering

Registered office

1 The Bridges
Lochside Industrial Estate Irongray Road
Dumfries
Dumfriesshire
DG2 0HS

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-27
Last: 2026-03-13

Officers (3 active · 1 resigned)

HENDERSON, Jessie Ann→
secretary · appointed 2002-03-13
View their other companies + combined net worth →
Active
HENDERSON, Jessie Ann→
director · ~70y · appointed 2002-03-13
View their other companies + combined net worth →
Active
HENDERSON, Roy Walker→
director · ~73y · appointed 2002-03-13
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2002-03-13 · resigned 2002-03-13
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
A registered charge—30/03/2015—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property27/05/2002—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (56 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-03-18