A.J. & M.A.HARDY LIMITED

📉Decliningactive
00640564 · ltd · incorporated 1959-10-28
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
drifting distress · 6-months
Drifting toward distress — expect more negotiability in 3–6 months, but also more friction.
  • · Lifecycle stage drifting downward
  • · Currently "declining"
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Security dealing on own account
Sector: Financial & insurance
Investor take
Pursue
Conservative operator with a 86-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 86). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (88/100).

🏦

Refinance opportunity

1 live charge · oldest 33.7y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 33.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
124 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

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 →
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.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Profitable
Profit before tax £2,524

Key financials

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

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Profit before tax£2.5k£6.8k
Average employees3300

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-01-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2023-01-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-01-01
    ➕
    MOORE, Paul John Benham appointed
    director
  7. 2021-11-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-08-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-11-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-11-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-11-14
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-11-16
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2015-11-16
    🔓
    Charge satisfied #1
  15. 2015-11-03
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2015-08-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2015-08-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 1994-06-30
    ➖
    SHAW, Sadie Elaine resigned
    secretary
  19. 1994-06-30
    ➖
    SHAW, Sadie Elaine resigned
    director
  20. 1993-11-29
    ➕
    MOORE, Brian Anthony Benham appointed
    director
  21. 1992-08-05
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  22. 1992-05-27
    ➖
    SAMPLE, Adrienne resigned
    director
  23. 1959-10-28
    🏢
    Company incorporated
    As A.J. & M.A.HARDY LIMITED

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 86 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
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 86 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 66 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Sandra Moore
Individual · British · DOB 05/1940 · age 86
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence06/04/2016

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

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 →
🔒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
Incorporated1959-10-28
Jurisdictionengland-wales
Primary SIC64991 — Security dealing on own account

Registered office

7 Park Road
Sherington
Newport Pagnell
Buckinghamshire
MK16 9PF

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-08-15
Last: 2025-08-01

Officers (4 active · 3 resigned)

MOORE, Sandra→
secretary
View their other companies + combined net worth →
Active
MOORE, Brian Anthony Benham→
director · ~60y · appointed 1993-11-29
View their other companies + combined net worth →
Active
MOORE, Paul John Benham→
director · ~62y · appointed 2023-01-01
View their other companies + combined net worth →
Active
MOORE, Sandra→
director · ~86y
View their other companies + combined net worth →
Active
SHAW, Sadie Elaine→
secretary · resigned 1994-06-30
Resigned
SAMPLE, Adrienne→
director · ~85y · resigned 1992-05-27
Resigned
SHAW, Sadie Elaine→
director · ~82y · resigned 1994-06-30
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property05/08/199216/11/2015

Recent filings (124 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-07
appoint-person-director-company-with-name-date
officers · AP01
2023-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-05