A.G. HIPGRAVE LIMITED

🌳Matureactive
01411254 · ltd · incorporated 1979-01-24
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 Mar 2025
Net worth
£1.16M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Construction of commercial buildings
Sector: Construction
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

8 live charges · 3 lenders · oldest 35.7y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 35.7 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
119 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
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 · FRS 102
Positive net assets
Net assets £1,155,499

Key financials

2 years extracted from filed iXBRL accounts
Cash
£984k
Net Worth
£1.2m
Current Assets
£2.1m
Current Liabilities
—
£0£414k£828k£1.2m£1.7m£2.1mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£1.49M—
Current assets£2.07M—
Cash£984.2k—
Debtors£1.08M—
Net assets£1.16M—
Average employees—2200

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-12-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-08-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2021-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-11-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-11-12
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2016-12-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-02-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2016-01-27
    📄
    accounts-amended-with-accounts-type-total-exemption-small
    accounts · AAMD
  14. 2015-12-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2010-08-19
    🔒
    Charge registered #9
    Lender: National Westminster Bank PLC
  16. 2004-04-05
    🔒
    Charge registered #8
    Lender: National Westminster Bank PLC
  17. 2004-01-26
    🔒
    Charge registered #7
    Lender: National Westminster Bank PLC
  18. 2001-09-04
    🔓
    Charge satisfied #2
  19. 2001-06-04
    🔒
    Charge registered #6
    Lender: National Westminster Bank PLC
  20. 2001-04-11
    🔓
    Charge satisfied #5
  21. 2001-02-02
    ➕
    FRANKLIN, Anthony Peter appointed
    director
  22. 1997-08-28
    🔓
    Charge satisfied #3
  23. 1997-08-28
    🔓
    Charge satisfied #1
  24. 1997-07-28
    🔒
    Charge registered #5
    Lender: First National Commercial Bank PLC
  25. 1996-10-31
    ➖
    HIPGRAVE, Albert George resigned
    director
  26. 1996-10-31
    ➖
    HIPGRAVE, Doreen resigned
    director
  27. 1996-02-09
    🔒
    Charge registered #3
    Lender: Lloyds Bank PLC
  28. 1993-01-12
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  29. 1990-09-14
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  30. 1979-01-24
    🏢
    Company incorporated
    As A.G. HIPGRAVE LIMITED

Owner dependency

98/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "HIPGRAVE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

96/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 47 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 ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Antony Peter Franklin
Individual · British · DOB 09/1968 · age 58
25–50%
—25-50% shares06/04/2016
Mr Christopher John Hipgrave
Individual · British · DOB 10/1956 · age 70
25–50%
—25-50% shares06/04/2016

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 →

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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
Incorporated1979-01-24
Jurisdictionengland-wales
Primary SIC41201 — Construction of commercial buildings

Registered office

Shotover 8 Meadway
Berkhamsted
Hertfordshire
HP4 2PN

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-16
Last: 2025-08-02

Officers (3 active · 2 resigned)

HIPGRAVE, Maria→
secretary
View their other companies + combined net worth →
Active
FRANKLIN, Anthony Peter→
director · ~58y · appointed 2001-02-02
View their other companies + combined net worth →
Active
HIPGRAVE, Christopher John→
director · ~70y
View their other companies + combined net worth →
Active
HIPGRAVE, Albert George→
director · ~96y · resigned 1996-10-31
Resigned
HIPGRAVE, Doreen→
director · ~94y · resigned 1996-10-31
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

8
Total charges
4
Outstanding
1
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge2 properties19/08/2010—
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property05/04/2004—
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property26/01/2004—
outstanding
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property04/06/2001—
satisfied
First National Commercial Bank
First National Commercial Bank PLC
Mortgage and general charge1 property28/07/199711/04/2001
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal charge1 property09/02/199628/08/1997
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Single debenture1 property12/01/199304/09/2001
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property14/09/199028/08/1997
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (119 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-20
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-05
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-29
confirmation-statement-with-updates
confirmation-statement · CS01
2021-08-02
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-29
confirmation-statement-with-updates
confirmation-statement · CS01
2020-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-05