CREATECITY LIMITED

🌳Matureactive
02728626 · ltd · incorporated 1992-07-03
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 Jul 2025
Net worth
£21.20M
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Wholesale of furniture, carpets and lighting equipment
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 78/100 (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. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

6 live charges · 5 lenders · oldest 25.9y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 25.9 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
14 officers (2 active, 14 linked, 9 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
128 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
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £21,197,271
Net assets shrinking
Down £718,358 YoY
Cash YoY
+60%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£2.8m
↑ 60% YoY
Net Worth
£21m
↓ 3.3% YoY
Current Assets
£31m
~ YoY
Current Liabilities
—
£0£6.1m£12m£18m£25m£31mJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Total assets£25.56M£26.38M
Current assets£30.71M£30.50M
Cash£2.82M£1.77M
Debtors£16.85M£20.74M
Net assets£21.20M£21.92M

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

🔒Filing-note intelligence

2 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
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (53 events)Click to expand
  1. 2026-04-21
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2025-04-14
    📄
    accounts-with-accounts-type-full
    accounts · AA
  3. 2024-04-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  4. 2023-08-01
    📄
    mortgage-charge-part-both-with-charge-number
    mortgage · MR05
  5. 2023-08-01
    📄
    mortgage-charge-part-both-with-charge-number
    mortgage · MR05
  6. 2023-06-15
    📄
    resolution
    resolution · RESOLUTIONS
  7. 2023-06-12
    📄
    memorandum-articles
    incorporation · MA
  8. 2023-06-12
    📄
    capital-name-of-class-of-shares
    capital · SH08
  9. 2023-05-01
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2023-02-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2023-01-31
    ➖
    MAGUIRE, William resigned
    director
  12. 2022-11-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2022-10-26
    🔒
    Charge registered #7
    Lender: Jason James Maguire and Alice V Maguire as Trustees of the Jjm Funded Unapproved Retirement Benefit Scheme
  14. 2022-05-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2022-05-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2022-04-28
    📄
    accounts-with-accounts-type-full
    accounts · AA
  17. 2021-04-22
    📄
    accounts-with-accounts-type-full
    accounts · AA
  18. 2021-01-12
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  19. 2021-01-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2020-12-31
    ➖
    STUBBS, David resigned
    secretary
  21. 2020-12-31
    ➖
    STUBBS, David resigned
    director
  22. 2020-04-14
    📄
    accounts-with-accounts-type-full
    accounts · AA
  23. 2015-12-01
    🔓
    Charge satisfied #6
  24. 2015-11-23
    🔓
    Charge satisfied #3
  25. 2013-09-17
    🔒
    Charge registered #6
    Lender: As Trustees of the Prince Bishop Pension Fund
  26. 2013-02-06
    ➕
    MAGUIRE, Alice Victoria appointed
    director
  27. 2010-10-22
    ➖
    MAGUIRE, Elizabeth resigned
    director
  28. 2010-10-22
    ➕
    MAGUIRE, William appointed
    director
  29. 2010-06-29
    ➖
    MAGUIRE, Frank resigned
    director
  30. 2010-06-29
    🔒
    Charge registered #5
    Lender: Clydesdale Bank PLC
  31. 2007-12-13
    🔒
    Charge registered #4
    Lender: Clydesdale Bank PLC
  32. 2004-10-01
    ➖
    MAGUIRE, William resigned
    director
  33. 2003-03-14
    ➕
    STUBBS, David appointed
    director
  34. 2003-03-06
    ➕
    MAGUIRE, Elizabeth appointed
    director
  35. 2003-03-06
    ➕
    MAGUIRE, William appointed
    director
  36. 2002-02-08
    🔒
    Charge registered #3
    Lender: Wm Pension Scheme C/O London York Fund Managers LTD
  37. 2001-11-02
    ➖
    MAGUIRE, Frank resigned
    secretary
  38. 2001-11-02
    ➕
    STUBBS, David appointed
    secretary
  39. 2001-04-06
    ➖
    MAGUIRE, William resigned
    director
  40. 2000-08-02
    🔒
    Charge registered #2
    Lender: Yorkshire Bank PLC
  41. 1999-07-12
    ➖
    MAGUIRE, Elizabeth resigned
    secretary
  42. 1999-07-12
    ➕
    MAGUIRE, Frank appointed
    secretary
  43. 1999-07-12
    ➖
    MCGUIRE, William resigned
    director
  44. 1992-07-16
    ➕
    MAGUIRE, Jason James appointed
    director
  45. 1992-07-16
    ➕
    MAGUIRE, Frank appointed
    director
  46. 1992-07-16
    ➕
    MAGUIRE, William appointed
    director
  47. 1992-07-07
    ➕
    MAGUIRE, Elizabeth appointed
    secretary
  48. 1992-07-07
    ➖
    WATERLOW SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  49. 1992-07-07
    ➕
    MCGUIRE, William appointed
    director
  50. 1992-07-07
    ➖
    WATERLOW NOMINEES LIMITED resigned
    corporate-nominee-director
Showing most recent 50 of 53 events

Owner dependency

76/100
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.
  • +Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 34 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 34 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

J Maguire Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
J Maguire Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CREATECITY LIMITED
This company · 02728626

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%
NameSharesVoting rightsNature of controlNotified
J Maguire Holdings Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016
1 historic (ceased) PSC
  • Mr Jason James Maguireceased 06/04/2016· 75-100% shares · 75-100% voting · board control

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
Incorporated1992-07-03
Jurisdictionengland-wales
Primary SIC46470 — Wholesale of furniture, carpets and lighting equipment

Registered office

The Future Business Park
Darlington Road
Shildon
County Durham
DL4 2RB

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-05-08
Last: 2026-04-24

Officers (2 active · 12 resigned)

MAGUIRE, Alice Victoria→
director · ~51y · appointed 2013-02-06
View their other companies + combined net worth →
Active
MAGUIRE, Jason James→
director · ~53y · appointed 1992-07-16
View their other companies + combined net worth →
Active
MAGUIRE, Elizabeth→
secretary · appointed 1992-07-07 · resigned 1999-07-12
Resigned
MAGUIRE, Frank→
secretary · appointed 1999-07-12 · resigned 2001-11-02
Resigned
STUBBS, David→
secretary · appointed 2001-11-02 · resigned 2020-12-31
Resigned
WATERLOW SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1992-07-03 · resigned 1992-07-07
Resigned
MAGUIRE, Elizabeth→
director · ~81y · appointed 2003-03-06 · resigned 2010-10-22
Resigned
MAGUIRE, Frank→
director · ~57y · appointed 1992-07-16 · resigned 2010-06-29
Resigned
MAGUIRE, William→
director · ~82y · appointed 2010-10-22 · resigned 2023-01-31
Resigned
MAGUIRE, William→
director · ~61y · appointed 2003-03-06 · resigned 2004-10-01
Resigned
MAGUIRE, William→
director · ~61y · appointed 1992-07-16 · resigned 2001-04-06
Resigned
MCGUIRE, William→
director · ~82y · appointed 1992-07-07 · resigned 1999-07-12
Resigned
STUBBS, David→
director · ~69y · appointed 2003-03-14 · resigned 2020-12-31
Resigned
WATERLOW NOMINEES LIMITED→
corporate-nominee-director · appointed 1992-07-03 · resigned 1992-07-07
Resigned

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

Mortgages & charges

6
Total charges
4
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Jason James Maguire and Alice V Maguire as Trustees of the Jjm Funded Unapproved Retirement Benefit Scheme
A registered charge1 property26/10/2022—
satisfied
As Trustees of the Prince Bishop Pension Fund / Alice Maguire / Jason James Maguire
A registered charge1 property17/09/201301/12/2015
outstanding
Virgin Money
Clydesdale Bank PLC
Legal mortgage1 property29/06/2010—
outstanding
Virgin Money
Clydesdale Bank PLC
Legal mortgage1 property13/12/2007—
satisfied
Wm Pension Scheme C/O London York Fund Managers
Wm Pension Scheme C/O London York Fund Managers LTD
Debenture1 property08/02/200223/11/2015
outstanding
Virgin Money
Yorkshire Bank PLC
Debenture1 property02/08/2000—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (128 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-05
accounts-with-accounts-type-full
accounts · AA
2026-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-05
accounts-with-accounts-type-full
accounts · AA
2025-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-26
accounts-with-accounts-type-full
accounts · AA
2024-04-24
mortgage-charge-part-both-with-charge-number
mortgage · MR05
2023-08-01
mortgage-charge-part-both-with-charge-number
mortgage · MR05
2023-08-01
resolution
resolution · RESOLUTIONS
2023-06-15
memorandum-articles
incorporation · MA
2023-06-12
capital-name-of-class-of-shares
capital · SH08
2023-06-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-03
accounts-with-accounts-type-full
accounts · AA
2023-05-01
termination-director-company-with-name-termination-date
officers · TM01
2023-02-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-03