GOWER FURNITURE LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 67/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (38/100).
Refinance opportunity
12 live charges · 5 lenders · oldest 45.4y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 45.4 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 53/100 (high).
Data confidence
Overall: medium (61/100)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
- • 2 mortgage
- • 2 mortgage
- • 4 mortgage
- • 1 officers
Corporate timeline (114 events)Click to expand
- 2026-07-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-07-09🔓Charge satisfied #10
- 2026-06-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-06-30🔒Charge registered #12Lender: Cynergy Business Finance Limited
- 2026-03-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-02➖LJUNGFELT, Kristoffer resigneddirector
- 2026-03-02🔒Charge registered #11Lender: Terra Jersey Topco Limited
- 2026-03-02🔒Charge registered #10Lender: Wells Fargo Capital Finance (UK) Limited
- 2025-12-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-12➕ROSE, Sophie Louise appointeddirector
- 2025-12-12➖DYMOND, George Barnaby resigneddirector
- 2025-06-19📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-06-19📄legacyaccounts · PARENT_ACC
- 2025-06-19📄legacyother · AGREEMENT2
- 2025-06-19📄legacyother · GUARANTEE2
- 2025-02-04📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-02-04📄legacyaccounts · PARENT_ACC
- 2025-02-04📄legacyother · GUARANTEE2
- 2025-02-04📄legacyother · AGREEMENT2
- 2025-01-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-03➖FAWCUS, Lynne Marie resigneddirector
- 2024-05-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-01➕DYMOND, George Barnaby appointeddirector
- 2024-04-24📄statement-of-companys-objectschange-of-constitution · CC04
- 2024-04-24📄memorandum-articlesincorporation · MA
- 2024-04-24📄resolutionresolution · RESOLUTIONS
- 2024-02-26📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-02-26📄legacyaccounts · PARENT_ACC
- 2024-02-26📄legacyother · GUARANTEE2
- 2023-03-01➕FAWCUS, Lynne Marie appointeddirector
- 2023-02-01➖RYALL, Anthony George resigneddirector
- 2023-01-17➕DOYLE, Gemma Claire Louise appointeddirector
- 2023-01-17➖CARR, Daniel Arthur Edward resigneddirector
- 2022-09-30➖WOOLSTON, Paul David resigneddirector
- 2022-09-22➖SMITH, Christine resigneddirector
- 2022-05-31➖HARDCASTLE, Nicola Jane resignedsecretary
- 2022-05-31➖HARDCASTLE, Nicola Jane resigneddirector
- 2021-10-01➕SMITH, Christine appointeddirector
- 2017-01-03➕CARR, Daniel Arthur Edward appointeddirector
- 2016-10-28➕LJUNGFELT, Kristoffer appointeddirector
- 2016-10-19➖NORMAN, Bo Mikael resigneddirector
- 2015-06-30➖WRIGLEY, Peter Anthony resigneddirector
- 2013-12-06➕RYALL, Anthony George appointeddirector
- 2013-08-01➕NORMAN, Bo Mikael appointeddirector
- 2012-08-31➖JEPSON RANDALL, Richard Albere resigneddirector
- 2010-10-15➕HARDCASTLE, Nicola Jane appointedsecretary
- 2010-10-15➖MORAN, Ruth resignedsecretary
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
3 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: DYMOND, George Barnaby resigned 2025-12-12; LJUNGFELT, Kristoffer resigned 2026-03-02
Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-06-30: A registered charge; 2026-03-02: A registered charge; 2026-03-02: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Charco Ninety-Nine 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 |
|---|---|---|---|---|
Charco Ninety-Nine 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.
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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 →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 (2 active · 36 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Cynergy Business Finance Cynergy Business Finance Limited | A registered charge | 1 property | 30/06/2026 | — | |
| outstanding | Terra Jersey Topco / Terra Jersey Bidco Terra Jersey Topco Limited / Terra Jersey Bidco Limited | A registered charge | 2 properties | 02/03/2026 | — | |
| satisfied | Wells Fargo Capital Finance (UK) Wells Fargo Capital Finance (UK) Limited | A registered charge | 2 properties | 02/03/2026 | 09/07/2026 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee & debenture | 1 property | 24/07/2002 | 06/05/2004 | |
| satisfied | Barclays Barclays Bank PLC | Mortgage | 1 property | 12/07/2001 | 06/05/2004 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee & debenture | 1 property | 05/01/2001 | 06/05/2004 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 29/05/1998 | 06/05/2004 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 29/05/1998 | 06/05/2004 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 29/05/1998 | 06/05/2004 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 29/05/1998 | 06/05/2004 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee & debenture | 1 property | 19/06/1986 | 06/05/2004 | |
| satisfied | Keyser Ullmann Keyser Ullmann Limited | Mortgage | 2 properties | 05/03/1981 | 25/07/1988 |