A. CARMICHAEL (FARMERS) LIMITED
- · Oldest live charge 59.7y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 70). 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
1 live charge · oldest 59.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 59.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 · accounting standard unknown| Metric | 2025-03-28 | 2024-03-28 |
|---|---|---|
| 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 (18 events)Click to expand
- 2025-12-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-10-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-10-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-02-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-10-27📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 1992-02-02➖CARMICHAEL, Joseph William Lambert resigneddirector
- 1966-09-01🔒Charge registered #1Lender: The Scottish Widows' Fund and Life Assurance Society
- 1961-03-27🏢Company incorporatedAs A. CARMICHAEL (FARMERS) LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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.
- +Founder age: Director aged approximately 70 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 65 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ian Carmichael Individual · British · DOB 08/1957 · age 69 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Gordon Alan Carmichael Individual · British · DOB 04/1956 · age 70 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| A & J WEBSTER EGGS LIMITED→ 10579912 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
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| ANDREW ROBINSON (FARMS) LIMITED→ 01074395 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| BEAL FARM LIMITED→ 08136569 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BOY ENZO FISHING LTD→ 13430378 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BURTON HALL FARM LTD→ 02212545 · est 1988 · no financials extracted | — | — | — | — | 38y | — | — |
| CHEVIOT TREES LIMITED→ 02216545 · est 1988 · no financials extracted | — | — | — | — | 38y | — | — |
| CHIRNSIDE GROWERS LIMITED→ SC401300 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CLARK & WEIR LIMITED→ SC255574 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
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 →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 (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Scottish Widows' Fund and Life Assurance Society | Legal charge | 1 property | 01/09/1966 | — |