A.CARMICHAEL & CO.LIMITED

🌳Matureactive
00370929 · ltd · incorporated 1941-11-28
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 73.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
🔔
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What this business does
Primary activity: Wholesale of fruit and vegetables
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 73.8y

65/100
clean up first

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

  • · Oldest live charge is 73.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 33/100 — 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, 1 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
9 officers (2 active, 9 linked, 6 with DOB)
83
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
Network not yet resolved
30
Filing history
106 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
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£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-052024-04-05
Average employees4200

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
2
filings
  • • 1 persons-with-significant-control
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2025-12-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2025-10-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2025-09-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-09-29
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2025-09-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2025-09-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-09-29
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  8. 2025-09-25
    ➖
    CARMICHAEL, Dennis resigned
    secretary
  9. 2025-09-25
    ➖
    CARMICHAEL, Dennis resigned
    director
  10. 2025-09-25
    ➖
    CARMICHAEL, Margaret resigned
    director
  11. 2025-06-05
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  12. 2024-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2024-10-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2024-10-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2024-10-16
    ➕
    CARMICHAEL, Zoe Samantha appointed
    director
  16. 2024-10-16
    ➕
    EARL, Xanthe Margaret appointed
    director
  17. 2023-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2023-01-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2021-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2021-01-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2020-08-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  22. 2020-08-25
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  23. 2020-08-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  24. 2012-12-13
    ➕
    CARMICHAEL, Dennis appointed
    secretary
  25. 2012-12-13
    ➖
    PUGMIRE, Stephen resigned
    secretary
  26. 2007-11-19
    ➕
    PUGMIRE, Stephen appointed
    secretary
  27. 2007-11-18
    ➖
    PUGMIRE, Raymond Bell resigned
    secretary
  28. 1994-06-05
    ➖
    CARMICHAEL, Betty Selina resigned
    director
  29. 1992-09-25
    ➖
    CARMICHAEL, George resigned
    director
  30. 1952-07-30
    🔒
    Charge registered #2
    Lender: Nat. Provincial Bank LTD.
  31. 1952-07-30
    🔒
    Charge registered #1
    Lender: Nat. Provincial Bank LTD.
  32. 1941-11-28
    🏢
    Company incorporated
    As A.CARMICHAEL & CO.LIMITED

Owner dependency

81/100
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.
  • +Founder name in company name: Company name contains director surname "CARMICHAEL" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med ·
3 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: CARMICHAEL, Dennis resigned 2025-09-25; CARMICHAEL, Dennis resigned 2025-09-25; CARMICHAEL, Margaret resigned 2025-09-25

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Xanthe Margaret Earl
Individual · British · DOB 04/1970 · age 56
25–50%
—25-50% shares18/08/2020
Zoe Samantha Carmichael
Individual · British · DOB 03/1966 · age 60
25–50%
—25-50% shares18/08/2020
3 historic (ceased) PSCs
  • Dennis Carmichaelceased 25/09/2025· significant influence
  • Mr Richard Andrew Carmichaelceased 05/06/2025· significant influence
  • Margaret Carmichaelceased 18/08/2020· 25-50% shares

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

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2PEUPRODUCTION LTD→
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10737128 · est 2017 · no financials extracted
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated1941-11-28
Jurisdictionengland-wales
Primary SIC46310 — Wholesale of fruit and vegetables

Registered office

Newhaven 3 Humberdale Close
Tranby Lane, Swanland
North Ferriby
North Humberside
HU14 3NS

Filing status

Accounts
Next due: 2027-01-05
Last made up to: 2025-04-05
Confirmation statement
Next due: 2026-12-13
Last: 2025-11-29

Officers (2 active · 7 resigned)

CARMICHAEL, Zoe Samantha→
director · ~60y · appointed 2024-10-16
View their other companies + combined net worth →
Active
EARL, Xanthe Margaret→
director · ~56y · appointed 2024-10-16
View their other companies + combined net worth →
Active
CARMICHAEL, Dennis→
secretary · appointed 2012-12-13 · resigned 2025-09-25
Resigned
PUGMIRE, Raymond Bell→
secretary · resigned 2007-11-18
Resigned
PUGMIRE, Stephen→
secretary · appointed 2007-11-19 · resigned 2012-12-13
Resigned
CARMICHAEL, Betty Selina→
director · ~102y · resigned 1994-06-05
Resigned
CARMICHAEL, Dennis→
director · ~92y · resigned 2025-09-25
Resigned
CARMICHAEL, George→
director · ~100y · resigned 1992-09-25
Resigned
CARMICHAEL, Margaret→
director · ~92y · resigned 2025-09-25
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
Nat. Provincial Bank .
Nat. Provincial Bank LTD.
Mortgage1 property30/07/1952—
outstanding
Nat. Provincial Bank .
Nat. Provincial Bank LTD.
Mortgage2 properties30/07/1952—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (106 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-04
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-29
termination-director-company-with-name-termination-date
officers · TM01
2025-09-29
termination-director-company-with-name-termination-date
officers · TM01
2025-09-29
termination-secretary-company-with-name-termination-date
officers · TM02
2025-09-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-19
appoint-person-director-company-with-name-date
officers · AP01
2024-10-21
appoint-person-director-company-with-name-date
officers · AP01
2024-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-14
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-13