CANTELO NURSERIES LIMITED

🌳Matureactive
02131104 · ltd · incorporated 1987-05-12
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2023
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Activities of investment trusts
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 75-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 75). 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 (48/100).

🏦

Refinance opportunity

10 live charges · 4 lenders · oldest 38.4y

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 38.4 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
120 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

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2023-12-31
Average employees200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 signals 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 (42 events)Click to expand
  1. 2025-09-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-05-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-08-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2023-08-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2023-06-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-02-10
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  8. 2022-02-09
    ➕
    JONES, Thomas appointed
    secretary
  9. 2022-02-09
    ➖
    HEARN, Andrew William resigned
    secretary
  10. 2022-02-09
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2021-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-06-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2021-06-10
    ➕
    STANLEY, Deborah Joy appointed
    director
  14. 2021-02-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-10-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2020-10-29
    🔓
    Charge satisfied #8
  17. 2020-09-23
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2020-09-23
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2020-09-23
    🔓
    Charge satisfied #7
  20. 2020-09-23
    🔓
    Charge satisfied #6
  21. 2019-11-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  22. 2019-11-10
    ➖
    JONES, Gillian resigned
    director
  23. 2019-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2018-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2017-04-10
    ➖
    JONES, Basil Frank resigned
    director
  26. 2014-10-07
    🔒
    Charge registered #10
    Lender: The Agricultural Mortgage Corporation PLC
  27. 2008-04-03
    🔓
    Charge satisfied #4
  28. 2008-04-03
    🔓
    Charge satisfied #3
  29. 2008-04-03
    🔓
    Charge satisfied #2
  30. 2008-04-03
    🔓
    Charge satisfied #1
  31. 2008-01-21
    🔒
    Charge registered #9
    Lender: Lloyds Tsb Bank PLC
  32. 2008-01-21
    🔒
    Charge registered #8
    Lender: Lloyds Tsb Bank PLC
  33. 2008-01-18
    🔒
    Charge registered #7
    Lender: The Agricultural Mortgage Corporation PLC
  34. 2008-01-18
    🔒
    Charge registered #6
    Lender: The Agricultural Mortgage Corporation PLC
  35. 2007-06-25
    🔒
    Charge registered #5
    Lender: Lloyds Tsb Bank PLC
  36. 2001-11-14
    ➕
    HEARN, Andrew William appointed
    secretary
  37. 2001-11-14
    ➖
    JONES, Gillian resigned
    secretary
  38. 2001-03-30
    🔒
    Charge registered #4
    Lender: National Westminster Bank PLC
  39. 2001-03-30
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  40. 2001-03-30
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  41. 1987-12-29
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  42. 1987-05-12
    🏢
    Company incorporated
    As CANTELO NURSERIES LIMITED

Owner dependency

73/100
High — earn-out structure required

Material 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 75 — succession pressure is live.

Succession & seller-readiness

76/100
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 75 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 39 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
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Thomas Jones
Individual · British · DOB 03/1951 · age 75
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Ms Deborah Joy Stanley
Individual · British · DOB 06/1960 · age 66
25–50%
25–50%25-50% shares · 25-50% voting25/10/2022

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

8 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
Incorporated1987-05-12
Jurisdictionengland-wales
Primary SIC64301 — Activities of investment trusts

Registered office

Bradon Farm
Isle Abbotts
Taunton
Somerset
TA3 6RX

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-21
Last: 2025-08-07

Officers (3 active · 4 resigned)

JONES, Thomas→
secretary · appointed 2022-02-09
View their other companies + combined net worth →
Active
JONES, Thomas→
director · ~75y
View their other companies + combined net worth →
Active
STANLEY, Deborah Joy→
director · ~66y · appointed 2021-06-10
View their other companies + combined net worth →
Active
HEARN, Andrew William→
secretary · appointed 2001-11-14 · resigned 2022-02-09
Resigned
JONES, Gillian→
secretary · resigned 2001-11-14
Resigned
JONES, Basil Frank→
director · ~105y · resigned 2017-04-10
Resigned
JONES, Gillian→
director · ~101y · resigned 2019-11-10
Resigned

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

Mortgages & charges

10
Total charges
3
Outstanding
2
Active lenders
Status:Lender:10 of 10 shown
TypeProperties
outstanding
The Agricultural Mortgage Corporation
The Agricultural Mortgage Corporation PLC
A registered charge1 property07/10/2014—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property21/01/2008—
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property21/01/200829/10/2020
satisfied
The Agricultural Mortgage Corporation
The Agricultural Mortgage Corporation PLC
Collateral charge1 property18/01/200823/09/2020
satisfied
The Agricultural Mortgage Corporation
The Agricultural Mortgage Corporation PLC
Collateral charge1 property18/01/200823/09/2020
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Debenture1 property25/06/2007—
satisfied
National Westminster Bank
National Westminster Bank PLC
Chattel mortgage supplemental to a mortgage debenture dated 30 march 2001 issued by the company to national westminster bank PLC1 property30/03/200103/04/2008
satisfied
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property30/03/200103/04/2008
satisfied
National Westminster Bank
National Westminster Bank PLC
Chattel mortgage supplemental to a mortgage debenture dated 30 march 2001 issued by the company to national westminster bank PLC1 property30/03/200103/04/2008
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Single debenture1 property29/12/198703/04/2008
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (120 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-09
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-03
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-08-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-10
appoint-person-secretary-company-with-name-date
officers · AP03
2022-02-10
termination-secretary-company-with-name-termination-date
officers · TM02
2022-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-14
appoint-person-director-company-with-name-date
officers · AP01
2021-06-15