A.G. & D.M.GOULBOURNE LIMITED
Opportunity 68/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 73). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
8 live charges · 6 lenders · oldest 74.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 74.1 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
Corporate timeline (46 events)Click to expand
- 2025-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-09📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-04-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-05-10📄change-person-director-company-with-change-dateofficers · CH01
- 2022-05-10📄change-person-director-company-with-change-dateofficers · CH01
- 2022-05-10📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-04-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-31➖BRISLEY, Keith Gilbert resignedsecretary
- 2021-06-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-06-07🔓Charge satisfied #4
- 2021-06-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-06-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-06-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-06-04🔓Charge satisfied #8
- 2021-06-04🔓Charge satisfied #7
- 2021-06-04🔓Charge satisfied #6
- 2021-04-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-04-17🔓Charge satisfied #5
- 2021-03-01➕BRISLEY, Keith Gilbert appointedsecretary
- 2020-04-13➖GOULBOURNE, Richard Alfred resigneddirector
- 2020-04-12➕DENNIS, Barbara appointeddirector
- 2020-04-12➖DENNIS, Barbara resignedsecretary
- 2010-04-27🔒Charge registered #8Lender: Lloyds Tsb Bank PLC
- 2010-04-20🔒Charge registered #7Lender: Lloyds Tsb Bank PLC
- 2005-11-07➕DENNIS, Barbara appointedsecretary
- 2005-11-07➖GOULBOURNE, Richard Alfred resignedsecretary
- 2005-11-07➖GOULBOURNE, Alfred Gerald resigneddirector
- 2002-08-09🔒Charge registered #6Lender: Lloyds Tsb Bank PLC
- 1999-01-26➖GOULBOURNE, Dorothy May resignedsecretary
- 1999-01-26➕GOULBOURNE, Richard Alfred appointedsecretary
- 1999-01-26➖GOULBOURNE, Dorothy May resigneddirector
- 1994-11-01🔒Charge registered #5Lender: Humberclyde Finance Group Limited
- 1991-07-05🔒Charge registered #4Lender: T S B Bank PLC
- 1984-05-25🔒Charge registered #3Lender: Lloyds Bank PLC
- 1967-11-03🔒Charge registered #2Lender: The Agricultural Mortgage Corporation LTD.
- 1952-03-26🔒Charge registered #1Lender: Argicultural Mortgage Corporation LTD.
- 1950-09-11🏢Company incorporatedAs A.G. & D.M.GOULBOURNE LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder age: Director aged approximately 73 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 76 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high · 1 med ·Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-04-15
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Barbara Dennis Individual · British · DOB 06/1953 · age 73 | 75–100% | — | 75-100% shares | 13/04/2020 |
1 historic (ceased) PSC
- Mr Richard Alfred Goulbourneceased 13/04/2020· 75-100% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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10 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 →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
Registered office
Filing status
Officers (1 active · 7 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 27/04/2010 | 04/06/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 20/04/2010 | 04/06/2021 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 09/08/2002 | 04/06/2021 | |
| satisfied | Humberclyde Finance Group Humberclyde Finance Group Limited | Legal charge | 1 property | 01/11/1994 | 17/04/2021 | |
| satisfied | T S B Bank T S B Bank PLC | Legal charge | 1 property | 05/07/1991 | 07/06/2021 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal mortgage | 1 property | 25/05/1984 | — | |
| outstanding | The Agricultural Mortgage Corporation . The Agricultural Mortgage Corporation LTD. | Mortgage | 1 property | 03/11/1967 | — | |
| outstanding | Argicultural Mortgage Corporation . Argicultural Mortgage Corporation LTD. | Charge | 1 property | 26/03/1952 | — |