HOME TURF (GRASMERE) LIMITED
🌳Matureactive
01464462 · ltd · incorporated 1979-12-03
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 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Activities of investment trusts
Sector: Financial & insurance
ALSO REGISTERED FOR
- 74990Non-trading company
- 93191Activities of racehorse owners
Investor take
PursueActive trading company with a 84-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 77/100. Strong seller-intent signal (78/100, director aged 84). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
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Refinance opportunity
4 live charges · 4 lenders · oldest 46.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 46.2 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · 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.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
110 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.
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 · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 200 | 200 |
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 (28 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-31📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-04-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-03-24➕STANTON, Lorraine Ann appointeddirector
- 2022-02-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-02-08➖GIFFORD, Reginald Stanley Everett resigneddirector
- 2021-12-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-08-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-12-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-12-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-08-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-08-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-01-15📄capital-name-of-class-of-sharescapital · SH08
- 2018-12-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-02-27🔓Charge satisfied #4
- 2017-02-27🔓Charge satisfied #2
- 2017-02-27🔓Charge satisfied #1
- 1994-08-26🔓Charge satisfied #3
- 1985-11-04🔒Charge registered #4Lender: National Westminster Bank PLC
- 1981-09-11🔒Charge registered #3Lender: Bass North West Limited
- 1981-07-03🔒Charge registered #2Lender: National Westminster Bank LTD
- 1980-04-18🔒Charge registered #1Lender: County Bank Limited
- 1979-12-03🏢Company incorporatedAs HOME TURF (GRASMERE) 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 84 — succession pressure is live.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 47 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Elizabeth Irving Gifford Individual · British · DOB 08/1942 · age 84 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mr Reginald Stanley Everett Giffordceased 24/03/2022· 75-100% shares · 75-100% voting · board control
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 · Financial services · LA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BOWLAND FINANCE LIMITED→ 12324302 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BRATHAY INVESTMENTS LIMITED→ 13483414 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| FACE TO FACE FINANCIAL SERVICES LTD→ 04663849 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| FINANCIAL MANAGEMENT BUREAU LIMITED→ 02089786 · est 1987 · no financials extracted | — | — | — | — | 39y | — | — |
| HAPSBURG→ 05215690 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| HOME & FINANCE IFA LIMITED→ 02214832 · est 1988 · no financials extracted | — | — | — | — | 38y | — | — |
| IAN FRAZER FINANCIAL PLANNING LIMITED→ 07555736 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| INDEPENDENT INVESTMENT ASSOCIATES LIMITED→ 04328527 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| J H LOWSON & COMPANY LIMITED→ 08013456 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| JACKROSE CONSULTING LIMITED→ 14001042 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| JEP PROPERTY GROUP LTD→ 16588510 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JEZ WALSH HOLDINGS LTD→ 11978889 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated1979-12-03
Jurisdictionengland-wales
Primary SIC64301 — Activities of investment trusts
Registered office
Greenbank
Grasmere
Ambleside
Cumbria
LA22 9RW
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-02
Last: 2025-08-19
Officers (3 active · 1 resigned)
Active
Active
STANTON, Lorraine Ann→
Activedirector · ~62y · appointed 2022-03-24
View their other companies + combined net worth →
GIFFORD, Reginald Stanley Everett→
Resigneddirector · ~98y · resigned 2022-02-08
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
0
Outstanding
0
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 04/11/1985 | 27/02/2017 | |
| satisfied | Bass North West Bass North West Limited | Legal charge | 1 property | 11/09/1981 | 26/08/1994 | |
| satisfied | National Westminster Bank National Westminster Bank LTD | Legal mortgage | 1 property | 03/07/1981 | 27/02/2017 | |
| satisfied | County Bank County Bank Limited | Mortgage debenture | 1 property | 18/04/1980 | 27/02/2017 |
Recent filings (110 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-01
change-person-director-company-with-change-date
officers · CH01
2022-08-31
appoint-person-director-company-with-name-date
officers · AP01
2022-04-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-04-21
termination-director-company-with-name-termination-date
officers · TM01
2022-02-28
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2021-08-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-08-18