PETER SMITH (FARMS) LIMITED
- · Oldest live charge 16.4y old — refinance window within 12 months
Opportunity 80/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. 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
3 live charges · 2 lenders · oldest 16.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 16.4 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.
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 | 500 | 600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
Corporate timeline (31 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-05📄resolutionresolution · RESOLUTIONS
- 2025-12-05📄memorandum-articlesincorporation · MA
- 2025-12-01📄capital-name-of-class-of-sharescapital · SH08
- 2025-12-01📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2025-12-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-12-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-20➖GRAY, Christopher resigneddirector
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-30📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-03-31➕BEARD, Edward William appointeddirector
- 2021-10-11📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2021-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-09📄change-person-director-company-with-change-dateofficers · CH01
- 2020-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-04-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-04-07🔒Charge registered #3Lender: Lloyds Bank PLC
- 2020-04-07🔒Charge registered #2Lender: Lloyds Bank PLC
- 2019-03-06➕BEARD, George Peter Kenneth appointeddirector
- 2017-02-02➖SMITH, Ruth resigneddirector
- 2011-11-23➖SMITH, Ruth resignedsecretary
- 2010-03-09🔒Charge registered #1Lender: Hsbc Bank PLC
- 2005-10-21➖BEARD, Walter John David resigneddirector
- 2005-10-21➕GRAY, Christopher appointeddirector
- 1996-04-01➕BEARD, Walter John David appointeddirector
- 1963-10-17🏢Company incorporatedAs PETER SMITH (FARMS) LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
No meaningful acquirability indicators from public data.
- primaryFamily succession underway: Not a takeover target — BEARD, Edward William (same surname) appointed 2022-03-31. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryStable-but-static management: Company is 63 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
George Peter Kenneth Beard Individual · British · DOB 07/1996 · age 30 | 75–100% | — | 75-100% shares | 20/11/2025 |
1 historic (ceased) PSC
- Mrs Sally Ruth Beardceased 20/11/2025· 75-100% shares
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.
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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 (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 07/04/2020 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 07/04/2020 | — | |
| outstanding | HSBC Hsbc Bank PLC | Mortgage | 1 property | 09/03/2010 | — |