ALL-IN-ONE GARDEN CENTRE LIMITED

🌳Matureactive
01630338 · ltd · incorporated 1982-04-20
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 Oct 2024
Net worth
£2.84M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 81-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 81). 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

6 live charges · 4 lenders · oldest 44.0y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 44.0 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Cashflow trend is negative — lender view likely cautious.

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 6 with DOB)
85
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
122 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 · accounting standard not declared
Positive net assets
Net assets £2,842,123
Net assets shrinking
Down £49,805 YoY
Cash draining
Cash down 49% YoY
Cash YoY
-49%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£350k
↓ 49% YoY
Net Worth
£2.8m
↓ 1.7% YoY
Current Assets
£2.8m
↓ 11% YoY
Current Liabilities
—
£0£638k£1.3m£1.9m£2.6m£3.2mOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Total assets£2.84M£2.89M
Current assets£2.85M£3.19M
Cash£349.7k£687.7k
Debtors£2.50M£2.50M
Net assets£2.84M£2.89M

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 (38 events)Click to expand
  1. 2025-07-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-07-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-01-15
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  4. 2024-01-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2024-01-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2024-01-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2023-04-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2023-04-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2023-01-26
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  10. 2022-10-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2022-04-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2021-04-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2020-11-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2020-10-31
    ➖
    KNOWLES, Geoffrey Peter resigned
    director
  15. 2020-07-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  16. 2019-07-04
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2019-07-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2019-07-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2019-07-04
    🔓
    Charge satisfied #5
  20. 2019-07-04
    🔓
    Charge satisfied #4
  21. 2019-02-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2019-02-14
    🔒
    Charge registered #6
    Lender: The Agricultural Mortgage Corporation PLC
  23. 2015-03-26
    ➖
    STAFFORD, David William resigned
    director
  24. 2014-09-20
    ➖
    SLATER, Rodney John resigned
    director
  25. 2012-06-30
    🔓
    Charge satisfied #3
  26. 2012-06-30
    🔓
    Charge satisfied #2
  27. 2012-06-30
    🔓
    Charge satisfied #1
  28. 2011-04-08
    🔒
    Charge registered #5
    Lender: Hsbc Bank PLC
  29. 2011-04-08
    🔒
    Charge registered #4
    Lender: Hsbc Bank PLC
  30. 2008-09-01
    ➕
    STAFFORD, Jason Blackwell appointed
    secretary
  31. 2008-09-01
    ➖
    STAFFORD, David William resigned
    secretary
  32. 2007-04-06
    ➕
    KNOWLES, Geoffrey Peter appointed
    director
  33. 1996-03-08
    ➕
    DIXON, Amanda Jane appointed
    director
  34. 1996-03-08
    ➕
    STAFFORD, Jason Blackwell appointed
    director
  35. 1988-05-30
    🔒
    Charge registered #3
    Lender: Yorkshire Bank PLC.
  36. 1986-04-10
    🔒
    Charge registered #2
    Lender: Yorkshire Bank PLC.
  37. 1982-07-05
    🔒
    Charge registered #1
    Lender: Yorkshire Bank Limited.
  38. 1982-04-20
    🏢
    Company incorporated
    As ALL-IN-ONE GARDEN CENTRE LIMITED

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 81 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
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 81 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 44 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

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Beryl Stafford
Individual · British · DOB 04/1945 · age 81
25–50%
—25-50% shares01/09/2016
Mr Jason Blackwell Stafford
Individual · British · DOB 02/1971 · age 55
25–50%
—25-50% shares01/09/2016
Mrs Amanda Jane Dixon
Individual · British · DOB 02/1968 · age 58
25–50%
—25-50% shares01/09/2016

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

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
Incorporated1982-04-20
Jurisdictionengland-wales
Primary SIC47789 — Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)

Registered office

8 Buxton Street
Heywood
OL10 1BS
England

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-09-15
Last: 2025-09-01

Officers (4 active · 4 resigned)

STAFFORD, Jason Blackwell→
secretary · appointed 2008-09-01
View their other companies + combined net worth →
Active
DIXON, Amanda Jane→
director · ~58y · appointed 1996-03-08
View their other companies + combined net worth →
Active
STAFFORD, Beryl→
director · ~81y
View their other companies + combined net worth →
Active
STAFFORD, Jason Blackwell→
director · ~55y · appointed 1996-03-08
View their other companies + combined net worth →
Active
STAFFORD, David William→
secretary · resigned 2008-09-01
Resigned
KNOWLES, Geoffrey Peter→
director · ~66y · appointed 2007-04-06 · resigned 2020-10-31
Resigned
SLATER, Rodney John→
director · ~67y · resigned 2014-09-20
Resigned
STAFFORD, David William→
director · ~82y · resigned 2015-03-26
Resigned

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

Mortgages & charges

6
Total charges
1
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
The Agricultural Mortgage Corporation
The Agricultural Mortgage Corporation PLC
A registered charge1 property14/02/2019—
satisfied
HSBC
Hsbc Bank PLC
Legal mortgage1 property08/04/201104/07/2019
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property08/04/201104/07/2019
satisfied
Virgin Money
Yorkshire Bank PLC.
Legal mortgage1 property30/05/198830/06/2012
satisfied
Virgin Money
Yorkshire Bank PLC.
Debenture1 property10/04/198630/06/2012
satisfied
Virgin Money
Yorkshire Bank Limited.
Legal charge1 property05/07/198230/06/2012
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (122 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-29
change-person-secretary-company-with-change-date
officers · CH03
2024-01-15
change-person-director-company-with-change-date
officers · CH01
2024-01-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-05
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-01-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-27