A.G. DOWN LIMITED
- · Oldest live charge 45.6y old — refinance window within 12 months
Operating as a long-established funeral services provider in Dorset, this business most likely handles the day-to-day arrangement and execution of funerals and related activities such as burial coordination, cremation services, and bereavement support for local families.
Opportunity 80/100 (exceptional), bankability 65/100. Strong seller-intent signal (63/100, director aged 87). 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
5 live charges · 2 lenders · oldest 45.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 45.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1.77M | £1.74M |
| Current assets | £475.6k | £418.5k |
| Cash | £202.9k | £167.5k |
| Debtors | £261.0k | £242.7k |
| Net assets | £1.64M | £1.57M |
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
- • 5 officers
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 5 officers
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 5 officers
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Corporate timeline (33 events)Click to expand
- 2026-05-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-05-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-05-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-01➕HUSSEY, Julian Thomas appointeddirector
- 2026-05-01➖HUSSEY, Julian Thomas resigneddirector
- 2025-12-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-20🔒Charge registered #5Lender: National Westminster Bank PLC
- 2024-10-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-04📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-04📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-04📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-04📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-28➕HUSSEY, George Thomas appointeddirector
- 2022-07-28➕HUSSEY, Jasmine Rosina appointeddirector
- 2022-07-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-11-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-30➖DUNFORD, Joyce Isobel Blanche resignedsecretary
- 2013-06-14🔒Charge registered #4Lender: National Westminster Bank PLC
- 2013-05-31🔓Charge satisfied #1
- 2013-05-13➕HUSSEY, Karen appointeddirector
- 2013-04-16🔒Charge registered #3Lender: National Westminster Bank PLC
- 2009-08-15➕HUSSEY, Julian Thomas appointeddirector
- 1999-11-15🔒Charge registered #2Lender: National Westminster Bank PLC
- 1980-10-23🔒Charge registered #1Lender: Barclays Bank LTD
- 1962-08-08🏢Company incorporatedAs A.G. DOWN LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 87 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 87 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Eric John Dunford Individual · British · DOB 11/1939 · age 87 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
Mrs Joyce Isobel Blanche Dunford Individual · British · DOB 02/1944 · age 82 | 75–100% | 75–100% | 75-100% shares · 75-100% 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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|---|---|---|---|---|---|---|---|
| 22 TALBOT ROAD LIMITED→ 07959740 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
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| AD AGRONOMY LIMITED→ 08449605 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
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 →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 (6 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 2 properties | 20/03/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 14/06/2013 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 16/04/2013 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 15/11/1999 | — | |
| satisfied | Barclays Barclays Bank LTD | Debenture | 1 property | 23/10/1980 | 31/05/2013 |