A.H.GARNER LIMITED

🌳Matureactive
00465648 · ltd · incorporated 1949-03-12
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 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Machining
Sector: Manufacturing
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

15 live charges · 9 lenders · oldest 54.5y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 54.5 years old — likely at or near maturity.
  • · 9 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: medium (78/100)

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
15 charges (15/15 with lender, 15/15 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
132 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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£0Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-09-302024-09-30
Average employees323200

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
2
filings
  • • 1 accounts
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
  1. 2026-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-03-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2026-03-05
    🔓
    Charge satisfied #8
  4. 2025-06-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-06-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2025-06-03
    ➖
    LEWANDOWSKI, Jerzy resigned
    director
  7. 2024-06-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-10-16
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2023-10-16
    📄
    memorandum-articles
    incorporation · MA
  10. 2023-10-16
    📄
    statement-of-companys-objects
    change-of-constitution · CC04
  11. 2023-09-28
    ➕
    HUMPHREY, Stephen Ernest appointed
    director
  12. 2023-09-28
    ➖
    LEWANDOWSKI, Phyllis Jean resigned
    director
  13. 2023-09-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2023-09-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2023-09-28
    📄
    capital-allotment-shares
    capital · SH01
  16. 2023-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2022-06-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2021-07-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2020-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2019-06-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2018-04-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2012-12-10
    🔓
    Charge satisfied #15
  23. 2012-12-10
    🔓
    Charge satisfied #14
  24. 2011-12-17
    🔓
    Charge satisfied #6
  25. 2011-12-17
    🔓
    Charge satisfied #5
  26. 2010-03-26
    🔒
    Charge registered #15
    Lender: Advantage Transition Bridge Fund Limited
  27. 2010-01-13
    🔒
    Charge registered #14
    Lender: Advantage Transition Bridge Fund Limited
  28. 2009-06-11
    🔓
    Charge satisfied #9
  29. 2009-06-11
    🔓
    Charge satisfied #4
  30. 2009-06-11
    🔓
    Charge satisfied #3
  31. 2009-04-01
    🔒
    Charge registered #13
    Lender: Lombard North Central PLC
  32. 2009-04-01
    🔓
    Charge satisfied #1
  33. 2008-12-04
    🔓
    Charge satisfied #10
  34. 2008-12-04
    🔓
    Charge satisfied #7
  35. 2008-12-04
    🔓
    Charge satisfied #2
  36. 2008-10-31
    🔒
    Charge registered #12
    Lender: National Westminster Bank PLC
  37. 2008-09-26
    🔒
    Charge registered #11
    Lender: Rbs Invoice Finance Limited
  38. 2006-11-10
    🔒
    Charge registered #10
    Lender: Hsbc Invoice Finance (UK) LTD ("the Security Holder")
  39. 2006-11-10
    🔒
    Charge registered #9
    Lender: Hsbc Invoice Finance (UK) LTD ("the Security Holder")
  40. 2000-02-19
    🔒
    Charge registered #8
    Lender: Jerzy Lewandowski
  41. 1999-09-07
    🔒
    Charge registered #7
    Lender: Midland Bank PLC
  42. 1996-06-20
    🔒
    Charge registered #6
    Lender: Forward Trust Limited
  43. 1996-06-20
    🔒
    Charge registered #5
    Lender: Forward Trust Limited
  44. 1994-05-23
    🔒
    Charge registered #4
    Lender: Midland Bank PLC
  45. 1984-12-23
    🔒
    Charge registered #2
    Lender: Midland Bank PLC
  46. 1984-07-17
    🔒
    Charge registered #3
    Lender: Midland Bank PLC
  47. 1971-12-02
    🔒
    Charge registered #1
    Lender: Midland Bank LTD
  48. 1949-03-12
    🏢
    Company incorporated
    As A.H.GARNER LIMITED

Owner dependency

73/100
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.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

56/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Marek Lewandowski
Individual · British · DOB 09/1962 · age 64
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

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
Incorporated1949-03-12
Jurisdictionengland-wales
Primary SIC25620 — Machining

Registered office

14 Park Row
Nottingham
NG1 6GR
England

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-07-29
Last: 2025-07-15

Officers (3 active · 2 resigned)

LEWANDOWSKI, Phyllis Jean→
secretary
View their other companies + combined net worth →
Active
HUMPHREY, Stephen Ernest→
director · ~67y · appointed 2023-09-28
View their other companies + combined net worth →
Active
LEWANDOWSKI, Marek→
director · ~64y
View their other companies + combined net worth →
Active
LEWANDOWSKI, Jerzy→
director · ~93y · resigned 2025-06-03
Resigned
LEWANDOWSKI, Phyllis Jean→
director · ~90y · resigned 2023-09-28
Resigned

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

Mortgages & charges

15
Total charges
3
Outstanding
3
Active lenders
Status:Lender:15 of 15 shown
TypeProperties
satisfied
Advantage Transition Bridge Fund
Advantage Transition Bridge Fund Limited
Legal mortgage2 properties26/03/201010/12/2012
satisfied
Advantage Transition Bridge Fund
Advantage Transition Bridge Fund Limited
Debenture1 property13/01/201010/12/2012
outstanding
Lombard North Central
Lombard North Central PLC
Chattel mortgage1 property01/04/2009—
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge2 properties31/10/2008—
outstanding
NatWest Group
Rbs Invoice Finance Limited
Fixed & floating charge1 property26/09/2008—
satisfied
HSBC
Hsbc Invoice Finance (UK) LTD ("the Security Holder")
Floating charge1 property10/11/200604/12/2008
satisfied
HSBC
Hsbc Invoice Finance (UK) LTD ("the Security Holder")
Fixed charge on purchased debts which fail to vest1 property10/11/200611/06/2009
satisfied
Jerzy Lewandowski
Second debenture1 property19/02/200005/03/2026
satisfied
Midland Bank
Midland Bank PLC
Debenture1 property07/09/199904/12/2008
satisfied
Forward Trust
Forward Trust Limited
Chattels mortgage1 property20/06/199617/12/2011
satisfied
Forward Trust
Forward Trust Limited
Chattels mortgage1 property20/06/199617/12/2011
satisfied
Midland Bank
Midland Bank PLC
Charge2 properties23/05/199411/06/2009
satisfied
Midland Bank
Midland Bank PLC
Fixed and floating charge1 property23/12/198404/12/2008
satisfied
Midland Bank
Midland Bank PLC
Litter of instruction & charge1 property17/07/198411/06/2009
satisfied
Midland Bank
Midland Bank LTD
Mortgage1 property02/12/197101/04/2009
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (132 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-27
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-27
termination-director-company-with-name-termination-date
officers · TM01
2025-06-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-29
resolution
resolution · RESOLUTIONS
2023-10-16
memorandum-articles
incorporation · MA
2023-10-16
statement-of-companys-objects
change-of-constitution · CC04
2023-10-16
appoint-person-director-company-with-name-date
officers · AP01
2023-09-28
termination-director-company-with-name-termination-date
officers · TM01
2023-09-28
capital-allotment-shares
capital · SH01
2023-09-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-23