A.G. PARFETT & SONS LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (60/100, director aged 61). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
Refinance opportunity
24 live charges · 6 lenders · oldest 45.9y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 45.9 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 53/100 (high).
Data confidence
Overall: medium (59/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (100 events)Click to expand
- 2026-04-11📄accounts-with-accounts-type-fullaccounts · AA
- 2025-12-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-01➕HOPE, Cheryl Marie appointeddirector
- 2025-04-11➖ATHWAL, Gurminder resigneddirector
- 2025-04-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-26📄accounts-with-accounts-type-fullaccounts · AA
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-15🔓Charge satisfied #23
- 2024-10-15🔓Charge satisfied #22
- 2024-10-15🔓Charge satisfied #16
- 2024-10-15🔓Charge satisfied #15
- 2024-10-15🔓Charge satisfied #14
- 2024-10-15🔓Charge satisfied #13
- 2024-10-15🔓Charge satisfied #12
- 2024-10-15🔓Charge satisfied #11
- 2024-10-15🔓Charge satisfied #10
- 2024-10-15🔓Charge satisfied #8
- 2024-10-15🔓Charge satisfied #7
- 2024-10-15🔓Charge satisfied #6
- 2024-10-15🔓Charge satisfied #5
- 2024-10-15🔓Charge satisfied #4
- 2024-10-15🔓Charge satisfied #3
- 2024-10-15🔓Charge satisfied #1
- 2024-08-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-05➕BONE, Richard Austin appointeddirector
- 2024-07-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-30➖GRIMES, David resigneddirector
- 2024-03-18🔒Charge registered #24Lender: Barclays Bank PLC
- 2024-02-16➖WHITWORTH, Andrew resigneddirector
- 2023-11-09🔓Charge satisfied #20
- 2023-11-09🔓Charge satisfied #19
- 2023-11-09🔓Charge satisfied #18
- 2023-11-09🔓Charge satisfied #17
- 2022-06-30➖SUSZCZENIA, Gregory resigneddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Parfetts Employee Trust Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Parfetts Employee Trust Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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6 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 →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
Registered office
Filing status
Officers (6 active · 16 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 18/03/2024 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 14/12/2018 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 29/11/2018 | 15/10/2024 | |
| satisfied | Barbara Anne Ashcroft (As Security Agent) / Stephen Parfett (As Security Agent) | A registered charge | 5 properties | 20/11/2015 | 27/11/2018 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 31/03/2009 | 09/11/2023 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 31/03/2009 | 09/11/2023 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 31/03/2009 | 09/11/2023 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 31/03/2009 | 09/11/2023 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 2 properties | 04/04/2008 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 2 properties | 04/04/2008 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/04/2008 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 2 properties | 04/04/2008 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 2 properties | 04/04/2008 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/04/2008 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 04/04/2008 | 15/10/2024 | |
| satisfied | St Modwen Developments St Modwen Developments Limited | Legal charge | 1 property | 04/05/2004 | 29/03/2008 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 01/02/1995 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 23/05/1994 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 10/08/1990 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 06/04/1990 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 09/02/1987 | 15/10/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Debenture | 1 property | 18/04/1986 | 15/10/2024 | |
| satisfied | Hambro Life Assurance Hambro Life Assurance PLC | Legal charge | 1 property | 24/06/1983 | 03/04/2008 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Debenture | 1 property | 27/06/1980 | 15/10/2024 |