A.G. HOWICK (FARMERS) LIMITED
🌳Matureactive
00929073 · ltd · incorporated 1968-03-19
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 58.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2024
Net worth
—
book net assets
Opportunity
62/100
Worth a look
What this business does
Primary activity: Growing of cereals (except rice), leguminous crops and oil seeds
Sector: Agriculture, forestry & fishing
Investor take
Pass (distressed without resilience)Distressed admin-neglect survivor — structural issues outweigh the discount.
Opportunity 62/100 (worth a look), bankability 45/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (45/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 58.0y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 58.0 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: medium (70/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (6 active, 8 linked, 6 with DOB)
85
Ownership & PSC
0 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
101 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
62/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
45
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
49
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-07-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-28📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2024-10-30📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-10-19📄resolutionresolution · RESOLUTIONS
- 2024-10-19📄memorandum-articlesincorporation · MA
- 2024-10-17📄statement-of-companys-objectschange-of-constitution · CC04
- 2024-10-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-08➕HOWICK, Martin David appointeddirector
- 2024-10-08➕HOWICK, Neil David appointeddirector
- 2024-10-08➕HOWICK, Philip Arthur appointeddirector
- 2024-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-03📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-07-02📄gazette-notice-compulsorygazette · GAZ1
- 2024-04-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-07-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-07-14📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-07-06📄gazette-notice-compulsorygazette · GAZ1
- 2021-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2011-10-11🔒Charge registered #2Lender: Hsbc Bank PLC
- 2002-05-25➕HOWICK, Philip Arthur appointedsecretary
- 2002-04-25➖HOWICK, Eva Annie resignedsecretary
- 2002-02-19➖HOWICK, Eva Annie resigneddirector
- 1968-05-03🔒Charge registered #1Lender: The Agricultural Mortgage Corporation LTD.
- 1968-03-19🏢Company incorporatedAs A.G. HOWICK (FARMERS) LIMITED
Owner dependency
78/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "HOWICK" — strong identity link between founder and business.
- +Founder age: Director aged approximately 93 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 93 years old. Natural succession window is now.
Red flags
2 high ·Accounts overdue
highStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-04-30
Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-04-29
Similar companies
Active · Agriculture · NG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A R WILSON AGRICULTURAL LIMITED→ 14206521 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A. & B. WHITE (FRINKLEY) LIMITED→ 02514905 · est 1990 · no financials extracted | — | — | — | — | 35y | — | — |
| A. NORCROSS & SON LIMITED→ 01237812 · est 1975 · no financials extracted | — | — | — | — | 50y | — | — |
| A.E. BOWRING & SONS LIMITED→ 00906484 · est 1967 · no financials extracted | — | — | — | — | 58y | — | — |
| A.J. BOWRING CATTLE LIMITED→ 09806341 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| A.N.KERR FARMS LIMITED→ 12172487 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABBEY HOUSE ENVIRONMENTAL LIMITED→ 10490511 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACTIVE PAWS NOTTINGHAM LTD→ 16168283 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ADAM FARMS LIMITED→ 02927508 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
| ADLG LIMITED→ 16352219 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AERIAL ASPECT IMAGING LTD.→ 08954469 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| AERO SIGNATURE SERVICES LTD→ 16404366 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1968-03-19
Jurisdictionengland-wales
Primary SIC01110 — Growing of cereals (except rice), leguminous crops and oil seeds
Registered office
Fairholme Farm
Gotham
Nottingham
NG11 0LH
Filing status
Accounts
Next due: 2026-04-30OVERDUE
Last made up to: 2024-07-31
Confirmation statement
Next due: 2026-04-29OVERDUE
Last: 2025-04-15
Officers (6 active · 2 resigned)
HOWICK, Philip Arthur→
Activesecretary · appointed 2002-05-25
View their other companies + combined net worth →
Active
Active
HOWICK, Martin David→
Activedirector · ~60y · appointed 2024-10-08
View their other companies + combined net worth →
HOWICK, Neil David→
Activedirector · ~55y · appointed 2024-10-08
View their other companies + combined net worth →
HOWICK, Philip Arthur→
Activedirector · ~66y · appointed 2024-10-08
View their other companies + combined net worth →
HOWICK, Eva Annie→
Resignedsecretary · resigned 2002-04-25
HOWICK, Eva Annie→
Resigneddirector · ~118y · resigned 2002-02-19
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 11/10/2011 | — | |
| outstanding | The Agricultural Mortgage Corporation . The Agricultural Mortgage Corporation LTD. | Charge | 1 property | 03/05/1968 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (101 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-30
change-account-reference-date-company-previous-extended
accounts · AA01
2025-04-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-10-30
resolution
resolution · RESOLUTIONS
2024-10-19
memorandum-articles
incorporation · MA
2024-10-19
statement-of-companys-objects
change-of-constitution · CC04
2024-10-17
appoint-person-director-company-with-name-date
officers · AP01
2024-10-15
appoint-person-director-company-with-name-date
officers · AP01
2024-10-15
appoint-person-director-company-with-name-date
officers · AP01
2024-10-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-28
gazette-filings-brought-up-to-date
gazette · DISS40
2024-07-03
gazette-notice-compulsory
gazette · GAZ1
2024-07-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-26
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-04-29