FASHION AND FURNITURE (DISCOUNTS) LIMITED
🌳Matureactive
01497232 · ltd · incorporated 1980-05-19
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
—
book net assets
Opportunity
67/100
Strong
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 67/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 16 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (40/100).
🏦
Refinance opportunity
24 live charges · 12 lenders · oldest 42.6y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 42.6 years old — likely at or near maturity.
- · 12 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
24 charges (24/24 with lender, 24/24 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 6 with DOB)
87
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
158 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
66
Some moderate concerns — review 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 · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
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
3
filings
- • 3 mortgage
Last 180 days
4
filings
- • 3 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (66 events)Click to expand
- 2026-05-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-19🔓Charge satisfied #22
- 2026-05-18🔒Charge registered #24Lender: Christopher George Rhodes, Irene Mary Rhodes, Christopher Peter Rhodes, Jacob George Rhodes, Joshua Gordon Rhodes and Platinum Trustees Limited
- 2026-04-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-30🔓Charge satisfied #23
- 2025-11-11📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-23➕RHODES, Christopher Peter appointeddirector
- 2025-10-23➖RHODES, Christopher George resignedsecretary
- 2025-10-23➖RHODES, Christopher George resigneddirector
- 2025-09-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-01-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-01-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-07-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-07-21🔒Charge registered #23Lender: Christopher George Rhodes
- 2022-07-21🔒Charge registered #22Lender: Christopher George Rhodes
- 2022-01-12📄change-person-director-company-with-change-dateofficers · CH01
- 2022-01-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-07-30📄capital-name-of-class-of-sharescapital · SH08
- 2021-07-30📄resolutionresolution · RESOLUTIONS
- 2021-07-22➖RHODES, Audrey resigneddirector
- 2019-08-07🔒Charge registered #21Lender: Christopher George Rhodes
- 2018-02-14🔒Charge registered #20Lender: Christopher George Rhodes
- 2018-02-14🔒Charge registered #19Lender: Christopher George Rhodes
- 2016-05-04🔓Charge satisfied #17
- 2016-04-29🔒Charge registered #18Lender: A J Bell Trustees Limited Acting as Trustees of the George Rhodes & Sons LTD (1997) Retirement Benefit
- 2014-06-20🔒Charge registered #17Lender: A J Bell Trustees Limited
- 2013-01-25🔓Charge satisfied #15
- 2013-01-15🔒Charge registered #16Lender: Christopher George Rhodes, Irene Mary Rhodes, Julian Frank Samuel Rhodes and a J Bell Trustees Limited
- 2012-06-15➕RHODES, Jacob George appointeddirector
- 2011-11-14➖RHODES, Julian Frank Samuel resigneddirector
- 2011-06-04🔓Charge satisfied #14
- 2011-06-02🔒Charge registered #15Lender: Christopher George Rhodes Irene Mary Rhodes Julian Frank Samuel Rhodes and a J Bell Trustees Limited
- 2010-04-01🔓Charge satisfied #13
- 2010-04-01🔓Charge satisfied #12
- 2010-03-30🔒Charge registered #14Lender: Christopher George Rhodes,Irene Mary Rhodes,Julian Frank Samuel Rhodes and Aj Bell Trustees Limited
- 2009-04-03🔓Charge satisfied #11
- 2009-04-03🔓Charge satisfied #10
- 2009-04-03🔓Charge satisfied #9
- 2009-03-31🔒Charge registered #13Lender: Christopher George Rhodes, Irene Mary Rhodes and Julian Frank Samuel Rhodes, a J Bell Trustees Limited as Trustees of the George Rhodes & Sons LTD (1997) Retirement Benefit Scheme
- 2009-03-31🔒Charge registered #12Lender: Christopher George Rhodes, Irene Mary Rhodes and Julian Frank Samuel Rhodes, a J Bell Trustees Limited as Trustees of the George Rhodes & Sons LTD (1997) Retirement Benefit Scheme
- 2008-03-31🔒Charge registered #11Lender: Christopher George Rhodes Irene Mary Rhodes and Julian Frank Samuel Rhodes
Showing most recent 50 of 66 events
Owner dependency
66/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med · 1 low2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: RHODES, Christopher George resigned 2025-10-23; RHODES, Christopher George resigned 2025-10-23
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
10 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jacob George Rhodes Individual · British · DOB 05/1988 · age 38 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/01/2024 |
Mr Christopher Peter Rhodes Individual · British · DOB 03/1994 · age 32 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/01/2024 |
Mr Joshua Gordon Mckenzie Rhodes Individual · British · DOB 07/1992 · age 34 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/01/2024 |
1 historic (ceased) PSC
- Mr Christopher George Rhodesceased 03/01/2024· 25-50% shares · 25-50% voting
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 · ST postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| EXCEL PENSIONS LIMITED→ 08924433 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| FACTOR TWO LIMITED→ 12619298 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FENNER PENSION SCHEME TRUSTEE LIMITED→ 06532692 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| FGDNMIPF LIMITED→ 13775056 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| FINANCE FOR PROPERTY DEVELOPERS LIMITED→ 09056805 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| FINANCE LINK LTD→ 10990594 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| FIRMUS FINANCIAL SERVICES LTD→ 08101402 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| FIRMUS WEALTH MANAGEMENT LIMITED→ 11557316 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FODEN MORTGAGE SOLUTIONS LIMITED→ 16143972 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| FORT80 LTD→ 14687627 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| FORTIUS BROKING LTD→ 09846321 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| FOUNTAIN FINANCIAL LIMITED→ 12382557 · est 2020 · 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
Incorporated1980-05-19
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
Blue Gates Garage
Biddulph
Stoke On Trent
ST8 7PX
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-06
Last: 2025-12-23
Officers (2 active · 5 resigned)
RHODES, Christopher Peter→
Activedirector · ~32y · appointed 2025-10-23
View their other companies + combined net worth →
RHODES, Jacob George→
Activedirector · ~38y · appointed 2012-06-15
View their other companies + combined net worth →
RHODES, Christopher George→
Resignedsecretary · resigned 2025-10-23
LOWE, Colin→
Resigneddirector · ~86y · resigned 1993-02-03
RHODES, Audrey→
Resigneddirector · ~94y · resigned 2021-07-22
RHODES, Christopher George→
Resigneddirector · ~67y · resigned 2025-10-23
RHODES, Julian Frank Samuel→
Resigneddirector · ~60y · resigned 2011-11-14
Click a director name to see their full track record across all companies.
Mortgages & charges
24
Total charges
10
Outstanding
6
Active lenders
Status:Lender:24 of 24 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Christopher George Rhodes, Irene Mary Rhodes, Christopher Peter Rhodes, Jacob George Rhodes, Joshua Gordon Rhodes and Platinum Trustees Christopher George Rhodes, Irene Mary Rhodes, Christopher Peter Rhodes, Jacob George Rhodes, Joshua Gordon Rhodes and Platinum Trustees Limited | A registered charge | 3 properties | 18/05/2026 | — | |
| satisfied | Christopher George Rhodes / Irene Mary Rhodes / Christopher Peter Rhodes / Jacob George Rhodes | A registered charge | 1 property | 21/07/2022 | 30/04/2026 | |
| satisfied | Christopher George Rhodes / Irene Mary Rhodes / Christopher Peter Rhodes / Jacob George Rhodes | A registered charge | 3 properties | 21/07/2022 | 19/05/2026 | |
| outstanding | Christopher George Rhodes / Irene Mary Rhodes / Christopher Peter Rhodes / A J Bell Trustees Christopher George Rhodes / Irene Mary Rhodes / Christopher Peter Rhodes / A J Bell Trustees Limited | A registered charge | 3 properties | 07/08/2019 | — | |
| outstanding | Christopher George Rhodes / Irene Mary Rhodes / Christopher Peter Rhodes / A J Bell Trustees Acting as Trustees of the George Rhodes & Sons (1997) Retirement Benefit Scheme Christopher George Rhodes / Irene Mary Rhodes / Christopher Peter Rhodes / A J Bell Trustees Limited Acting as Trustees of the George Rhodes & Sons LTD (1997) Retirement Benefit Scheme | A registered charge | 1 property | 14/02/2018 | — | |
| outstanding | Christopher George Rhodes / Irene Mary Rhodes / Christopher Peter Rhodes / A J Bell Trustees Acting as Trustees of the George Rhodes & Sons (1997) Retirement Benefit Scheme Christopher George Rhodes / Irene Mary Rhodes / Christopher Peter Rhodes / A J Bell Trustees Limited Acting as Trustees of the George Rhodes & Sons LTD (1997) Retirement Benefit Scheme | A registered charge | 1 property | 14/02/2018 | — | |
| outstanding | A J Bell Trustees Acting as Trustees of the George Rhodes & Sons (1997) Retirement Benefit / Christopher Peter Rhodes / Irene Mary Rhodes / Christopher George Rhodes A J Bell Trustees Limited Acting as Trustees of the George Rhodes & Sons LTD (1997) Retirement Benefit / Christopher Peter Rhodes / Irene Mary Rhodes / Christopher George Rhodes | A registered charge | 1 property | 29/04/2016 | — | |
| satisfied | A J Bell Trustees / Irene Mary Rhodes / Christopher George Rhodes A J Bell Trustees Limited / Irene Mary Rhodes / Christopher George Rhodes | A registered charge | 2 properties | 20/06/2014 | 04/05/2016 | |
| outstanding | Christopher George Rhodes, Irene Mary Rhodes, Julian Frank Samuel Rhodes and a J Bell Trustees Christopher George Rhodes, Irene Mary Rhodes, Julian Frank Samuel Rhodes and a J Bell Trustees Limited | Legal charge | 2 properties | 15/01/2013 | — | |
| satisfied | Christopher George Rhodes Irene Mary Rhodes Julian Frank Samuel Rhodes and a J Bell Trustees Christopher George Rhodes Irene Mary Rhodes Julian Frank Samuel Rhodes and a J Bell Trustees Limited | Legal charge | 2 properties | 02/06/2011 | 25/01/2013 | |
| satisfied | Christopher George Rhodes,Irene Mary Rhodes,Julian Frank Samuel Rhodes and Aj Bell Trustees Christopher George Rhodes,Irene Mary Rhodes,Julian Frank Samuel Rhodes and Aj Bell Trustees Limited | Legal charge | 2 properties | 30/03/2010 | 04/06/2011 | |
| satisfied | Christopher George Rhodes, Irene Mary Rhodes and Julian Frank Samuel Rhodes, a J Bell Trustees as Trustees of the George Rhodes & Sons (1997) Retirement Benefit Scheme Christopher George Rhodes, Irene Mary Rhodes and Julian Frank Samuel Rhodes, a J Bell Trustees Limited as Trustees of the George Rhodes & Sons LTD (1997) Retirement Benefit Scheme | Legal charge | 1 property | 31/03/2009 | 01/04/2010 | |
| satisfied | Christopher George Rhodes, Irene Mary Rhodes and Julian Frank Samuel Rhodes, a J Bell Trustees as Trustees of the George Rhodes & Sons (1997) Retirement Benefit Scheme Christopher George Rhodes, Irene Mary Rhodes and Julian Frank Samuel Rhodes, a J Bell Trustees Limited as Trustees of the George Rhodes & Sons LTD (1997) Retirement Benefit Scheme | Legal charge | 2 properties | 31/03/2009 | 01/04/2010 | |
| satisfied | Christopher George Rhodes Irene Mary Rhodes and Julian Frank Samuel Rhodes | Legal charge | 2 properties | 31/03/2008 | 03/04/2009 | |
| satisfied | Christopher George Rhodes Irene Mary Rhodes and Julian Frank Samuel Rhodes | Legal charge | 4 properties | 31/03/2008 | 03/04/2009 | |
| satisfied | Christopher George Rhodes, Julian Frank Samuel Rhodes and Irene Mary Rhodes, George Rhodes &Sons and Suntrust as Trustees of the George Rhodes & Sons (1997) Retirement Benefits Scheme Christopher George Rhodes, Julian Frank Samuel Rhodes and Irene Mary Rhodes, George Rhodes &Sons Limited and Suntrust Limited as Trustees of the George Rhodes & Sons Limited (1997) Retirement Benefits Scheme | Legal charge | 1 property | 14/07/2006 | 03/04/2009 | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 13/07/1990 | — | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 13/07/1990 | 24/03/1992 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 13/07/1990 | 27/03/1996 | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 13/07/1990 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 13/07/1990 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 13/07/1990 | — | |
| satisfied | Esso Petroleum Company | Legal charge | 1 property | 31/01/1985 | 15/07/1989 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 2 properties | 07/12/1983 | 06/09/2006 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (158 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-19
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-30
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-16
termination-secretary-company-with-name-termination-date
officers · TM02
2025-11-11
appoint-person-director-company-with-name-date
officers · AP01
2025-11-11
termination-director-company-with-name-termination-date
officers · TM01
2025-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-01-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-01-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-01-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-10