AGAR LIMITED
🌳Matureactive
01196754 · ltd · incorporated 1975-01-17
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
£21.8k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: SIC 25990
Sector: Manufacturing
Investor take
PursueActive trading company with a 66-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
5 live charges · 5 lenders · oldest 46.1y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 46.1 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
107 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £21,791
Net assets shrinking
Down £30,487 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£22k
↓ 58% YoY
Current Assets
£198k
↓ 6.2% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £24.9k | £56.2k |
| Current assets | £198.1k | £211.2k |
| Debtors | £107.7k | £111.1k |
| Net assets | £21.8k | £52.3k |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-05-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-04-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-04-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-05-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-09-14📄memorandum-articlesincorporation · MA
- 2022-09-14📄resolutionresolution · RESOLUTIONS
- 2022-09-09📄capital-allotment-sharescapital · SH01
- 2022-09-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-08-31➕HARROP, Richard David appointeddirector
- 2022-05-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-05-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-05-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-06-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-05-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-06-09📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-05-13📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-11-30🔓Charge satisfied #4
- 2012-11-30🔓Charge satisfied #3
- 2012-11-28🔒Charge registered #5Lender: Svenska Handelsbanken Ab (Publ)
- 2005-05-09🔒Charge registered #4Lender: Hsbc Bank PLC
- 2000-05-01➕GARFIELD, Mary Patricia appointedsecretary
- 2000-04-30➖GARFIELD, Heather resignedsecretary
- 1986-12-16🔒Charge registered #3Lender: Royal Bank of Scotland P.L.C.
- 1986-02-11🔒Charge registered #2Lender: P.J. Hopkins Limited
- 1980-04-02🔒Charge registered #1Lender: Barclays Bank PLC
- 1975-01-17🏢Company incorporatedAs AGAR LIMITED
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 51 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anthony Mark Garfield Individual · British · DOB 08/1960 · age 66 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mrs Mary Patricia Garfield Individual · British · DOB 04/1959 · age 67 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Manufacturing · WR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ABBEY SPARES AND SUPPLIES LIMITED→ 05031994 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| ABBEY TOOLING LIMITED→ 02435414 · est 1989 · no financials extracted | — | — | — | — | 36y | — | — |
| ABBOTTS' LIVING WOOD LIMITED→ 04710090 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| ABCAB CNC SOLUTIONS LTD→ 13258489 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABD ENGINEERING LIMITED→ 11815081 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ACE TRACK (U.K.) LIMITED→ 02986112 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
| ACIL LIMITED→ 11814313 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ADVANCED MOBILE POWER SYSTEMS LIMITED→ 10716392 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AEL MICROSYSTEMS LIMITED→ 04639641 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| AEROMET INTERNATIONAL LIMITED→ 01626585 · est 1982 · no financials extracted | — | — | — | — | 44y | — | — |
| AG SURFACE REPAIR SPECIALIST LTD→ 13905545 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AGRI INCINERATION SYSTEMS LIMITED→ 13721198 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1975-01-17
Jurisdictionengland-wales
Primary SIC25990 — SIC 25990
Registered office
Unit D2a Blackpole Trading Estate East
Blackpole
Worcester
Worcestershire
WR3 8SG
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-05-25
Last: 2025-05-11
Officers (3 active · 1 resigned)
GARFIELD, Mary Patricia→
Activesecretary · appointed 2000-05-01
View their other companies + combined net worth →
Active
HARROP, Richard David→
Activedirector · ~49y · appointed 2022-08-31
View their other companies + combined net worth →
GARFIELD, Heather→
Resignedsecretary · resigned 2000-04-30
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
3
Outstanding
3
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Svenska Handelsbanken Ab (Publ) | Mortgage debenture | 1 property | 28/11/2012 | — | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 09/05/2005 | 30/11/2012 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland P.L.C. | Debenture | 1 property | 16/12/1986 | 30/11/2012 | |
| outstanding | P.J. Hopkins P.J. Hopkins Limited | Debenture | 1 property | 11/02/1986 | — | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 02/04/1980 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (107 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-05-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-04-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-05-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-11
memorandum-articles
incorporation · MA
2022-09-14
resolution
resolution · RESOLUTIONS
2022-09-14
capital-allotment-shares
capital · SH01
2022-09-09
appoint-person-director-company-with-name-date
officers · AP01
2022-09-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-05-10