A.G.E. LIMITED
🌳Matureactive
00836446 · ltd · incorporated 1965-02-03
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Family succession underway — not a classic acquisition target.
Opportunity 73/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: family or management succession (50/100).
🏦
Refinance opportunity
42 live charges · 8 lenders · oldest 44.5y
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 44.5 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
42 charges (42/42 with lender, 42/42 with type)
90
Directors & officers
8 officers (5 active, 8 linked, 7 with DOB)
88
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
213 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 500 | 500 |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (104 events)Click to expand
- 2025-07-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-09-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-08-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-13➕KREIKE, Dalia Anna appointeddirector
- 2023-01-13➕KREIKE, Jonah Moriel appointeddirector
- 2023-01-13➕KREIKE, Noah Jacob appointeddirector
- 2023-01-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-24📄change-person-director-company-with-change-dateofficers · CH01
- 2021-08-24📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-28➖KREIKE, Aubrey resigneddirector
- 2015-08-01🔓Charge satisfied #36
- 2015-08-01🔓Charge satisfied #35
- 2015-08-01🔓Charge satisfied #34
- 2015-08-01🔓Charge satisfied #33
- 2015-08-01🔓Charge satisfied #32
- 2015-07-30🔒Charge registered #42Lender: Svenska Handelsbanken Ab (Publ)
- 2015-07-15🔓Charge satisfied #38
- 2015-07-15🔓Charge satisfied #27
- 2015-07-15🔓Charge satisfied #26
- 2015-07-15🔓Charge satisfied #20
- 2014-07-04🔓Charge satisfied #41
- 2014-06-11➖KREIKE, Aubrey resignedsecretary
- 2013-05-16➖KREIKE, Esther Flora resigneddirector
- 2012-05-21➕KREIKE, Belinda Jane appointeddirector
- 2009-07-20🔒Charge registered #41Lender: National Westminster Bank PLC
- 2006-10-20🔒Charge registered #40Lender: Svenska Handelsbanken Ab
- 2006-09-15🔒Charge registered #39Lender: Svenska Handelsbanken Ab
- 2004-04-21🔒Charge registered #38Lender: National Westminster Bank PLC
- 2002-10-25🔓Charge satisfied #31
- 2002-10-25🔓Charge satisfied #30
- 2002-10-25🔓Charge satisfied #29
- 2002-10-25🔓Charge satisfied #23
- 2002-10-25🔓Charge satisfied #22
- 2002-10-25🔓Charge satisfied #14
- 2002-07-12🔒Charge registered #37Lender: Svenska Handelsbanken Ab
Showing most recent 50 of 104 events
Owner dependency
56/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
23/100
No succession signalNo meaningful acquirability indicators from public data.
SIGNALS
- primaryFamily succession underway: Not a takeover target — KREIKE, Dalia Anna (same surname) appointed 2023-01-13. Pattern consistent with intra-family handover.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondary12+ year tenure: Director in role 14 years.
- secondaryStable-but-static management: Company is 61 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
9 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Belinda Jane Kreike Individual · British · DOB 12/1968 · age 58 | 75–100% | 50–75% | 75-100% shares · 75-100% voting | 06/04/2016 |
Mr Gareth Trevor Laurence Kreike Individual · British · DOB 10/1964 · age 62 | 75–100% | 50–75% | 75-100% shares · 75-100% voting | 06/04/2016 |
2 historic (ceased) PSCs
- Mr Daniel Praisceased 12/09/2024· 50-75% shares · 50-75% voting
- Mr Aubrey Kreikeceased 28/07/2020· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Property · BL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & G AINSWORTH (PROPERTY) LTD→ 14754111 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AAAZ INVESTMENTS LTD→ 13282442 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABIGOLD PROPERTY LIMITED→ 15379473 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ACORNWOOD LIMITED→ 14423934 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACRESDALE ALLEN ST LTD→ 13116861 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ACRESDALE INVESTMENTS LIMITED→ 11249224 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AD INVESTMENTS LTD→ 08436936 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| AD PROPERTY INVESTMENTS LIMITED→ 16960025 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ADAPT PM LIMITED→ 16926201 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADFM INVESTMENTS LIMITED→ 16099663 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADG FIC LIMITED→ 09511214 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ADK PROPERTY HOLDINGS LIMITED→ 14066485 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1965-02-03
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
9 Silver Street
Bury
BL9 0EU
England
Filing status
Accounts
Next due: 2026-07-29
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-08-05
Last: 2025-07-22
Officers (5 active · 3 resigned)
KREIKE, Belinda Jane→
Activedirector · ~58y · appointed 2012-05-21
View their other companies + combined net worth →
KREIKE, Dalia Anna→
Activedirector · ~22y · appointed 2023-01-13
View their other companies + combined net worth →
Active
KREIKE, Jonah Moriel→
Activedirector · ~28y · appointed 2023-01-13
View their other companies + combined net worth →
KREIKE, Noah Jacob→
Activedirector · ~26y · appointed 2023-01-13
View their other companies + combined net worth →
KREIKE, Aubrey→
Resignedsecretary · resigned 2014-06-11
KREIKE, Aubrey→
Resigneddirector · ~92y · resigned 2020-07-28
KREIKE, Esther Flora→
Resigneddirector · ~102y · resigned 2013-05-16
Click a director name to see their full track record across all companies.
Mortgages & charges
42
Total charges
9
Outstanding
4
Active lenders
Status:Lender:42 of 42 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 4 properties | 30/07/2015 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 20/07/2009 | 04/07/2014 | |
| outstanding | Svenska Handelsbanken Ab | Charge over deposit | 1 property | 20/10/2006 | — | |
| outstanding | Svenska Handelsbanken Ab | A standard security which was presented for registration in scotland on 13 october 2006 and | 1 property | 15/09/2006 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A standard security which was presented for registration in scotland on the 18/05/04 and | 1 property | 21/04/2004 | 15/07/2015 | |
| outstanding | Svenska Handelsbanken Ab | Legal mortgage | 1 property | 12/07/2002 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 12/06/2001 | 01/08/2015 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 12/06/2001 | 01/08/2015 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 12/06/2001 | 01/08/2015 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 3 properties | 12/06/2001 | 01/08/2015 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 2 properties | 30/03/2001 | 01/08/2015 | |
| satisfied | Newcastle Building Society | Mortgage | 1 property | 31/01/2000 | 25/10/2002 | |
| satisfied | Newcastle Building Society | Deed of assignment of rents | 1 property | 31/01/2000 | 25/10/2002 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal mortgage (own account) | 1 property | 06/01/2000 | 25/10/2002 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal mortgage | 1 property | 08/12/1999 | 17/01/2002 | |
| satisfied | Newcastle Building Society | Deed of assignment of rents | 1 property | 02/12/1998 | 15/07/2015 | |
| satisfied | Newcastle Building Society | A standard security which was presented for registration in scotland on 9TH december 1998 | 1 property | 02/12/1998 | 15/07/2015 | |
| satisfied | Newcastle Building Society | Deed of assignment of rent | 1 property | 26/06/1998 | 12/08/1999 | |
| satisfied | Newcastle Building Society | Mortgage deed | 1 property | 26/06/1998 | 12/08/1999 | |
| satisfied | Newcastle Building Society | Charge | 1 property | 06/12/1996 | 25/10/2002 | |
| satisfied | Newcastle Building Society | Mortgage | 1 property | 06/12/1996 | 25/10/2002 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal mortgage | 1 property | 11/09/1996 | 07/01/2000 | |
| satisfied | Virgin Money Yorkshire Bank PLC | A standard security which was presented for registration in scotland on the 11TH january 1994 | 1 property | 11/01/1994 | 15/07/2015 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Debenture | 1 property | 23/08/1993 | 17/01/2002 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal charge | 1 property | 29/01/1993 | 17/01/2002 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal charge | 1 property | 08/01/1992 | 17/01/2002 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal charge | 1 property | 25/07/1991 | 17/01/2002 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal mortgage | 1 property | 19/10/1990 | 07/01/2000 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal mortgage | 1 property | 19/10/1990 | 25/10/2002 | |
| satisfied | Virgin Money Yorkshire Bank PLC | Legal mortgage | 1 property | 19/10/1990 | 07/01/2000 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 22/05/1987 | 16/01/1991 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 22/05/1987 | 16/01/1991 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 22/05/1987 | 16/01/1991 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 22/05/1987 | 16/01/1991 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 22/05/1987 | 16/01/1991 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 22/05/1987 | 16/01/1991 | |
| satisfied | The Hongkong and Shanghai Banking Corporation | Legal charge | 1 property | 15/12/1983 | 23/10/1990 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 15/09/1983 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 02/09/1982 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 19/03/1982 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 19/03/1982 | — | |
| outstanding | Gulf Oil (Great Britain) Gulf Oil (Great Britain) Limited | Debenture | 1 property | 31/12/1981 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (213 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-09-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-07-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-07-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-07-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-16
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-08-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-15