APOL SILVA & ORCHARDS LIMITED
🌳Matureactive
03066977 · ltd · incorporated 1995-06-12
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 Jan 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: SIC 01240
Sector: Agriculture, forestry & fishing
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 75/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (65/100).
🏦
Refinance opportunity
16 live charges · 6 lenders · oldest 30.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 30.6 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)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
16 charges (16/16 with lender, 16/16 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
115 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
74
Few red 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 | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Average employees | 300 | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
4 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 mortgage
- • 1 confirmation-statement
Last 180 days
4
filings
- • 1 mortgage
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (55 events)Click to expand
- 2026-05-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-01🔒Charge registered #16Lender: West One Loan Limited
- 2026-03-28📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2026-01-23📄accounts-with-accounts-type-smallaccounts · AA
- 2025-04-03📄accounts-with-accounts-type-smallaccounts · AA
- 2025-01-13📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-10-16📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-10-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-30🔒Charge registered #15Lender: West One Loan Limited
- 2024-05-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-02🔒Charge registered #14Lender: West One Loan Limited
- 2024-03-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-29🔒Charge registered #13Lender: West One Loan Limited
- 2023-10-26📄accounts-with-accounts-type-smallaccounts · AA
- 2023-08-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-31🔓Charge satisfied #10
- 2023-08-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-23🔓Charge satisfied #6
- 2023-08-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-18🔒Charge registered #12Lender: Interbay Funding Limited
- 2023-08-18🔒Charge registered #11Lender: Interbay Funding Limited
- 2023-01-20📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-10🔒Charge registered #10Lender: West One Loan Limited
- 2022-02-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-02-16🔓Charge satisfied #7
- 2021-10-27📄accounts-with-accounts-type-smallaccounts · AA
- 2020-12-22📄accounts-with-accounts-type-smallaccounts · AA
- 2020-10-23🔓Charge satisfied #8
- 2016-07-08🔒Charge registered #9Lender: Barclays Bank PLC
- 2014-10-31➕OLEARY, Juanita Dora appointeddirector
- 2014-10-31➕OLEARY, Steven James appointeddirector
- 2012-11-18➖O'LEARY, Alan Wilfred resigneddirector
- 2007-08-25🔓Charge satisfied #5
- 2007-08-25🔓Charge satisfied #4
- 2007-08-25🔓Charge satisfied #3
- 2007-08-25🔓Charge satisfied #2
- 2007-08-25🔓Charge satisfied #1
- 2006-05-11🔒Charge registered #8Lender: The Governor and Company of the Bank of Scotland
- 2006-05-10🔒Charge registered #7Lender: The Governor and Company of the Bank of Scotland
- 2006-02-14🔒Charge registered #6Lender: The Governor and Company of the Bank of Scotland
- 2003-12-22🔒Charge registered #5Lender: Hsbc Bank PLC
- 2001-12-24🔒Charge registered #4Lender: Hsbc Bank PLC
- 2001-03-16🔒Charge registered #3Lender: Hsbc Bank PLC
- 1995-11-10🔒Charge registered #2Lender: Midland Bank PLC
- 1995-11-10🔒Charge registered #1Lender: Midland Bank PLC
- 1995-06-12🏢Company incorporatedAs APOL SILVA & ORCHARDS LIMITED
- 1995-06-12➕O'LEARY, Pamela Rose appointedsecretary
- 1995-06-12➕O'LEARY, Pamela Rose appointeddirector
Showing most recent 50 of 55 events
Owner dependency
83/100
Critical — business is the founderThe 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 31 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 86 — 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 candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 86 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 31 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 · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
7 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
O'Leary Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
O'Leary Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
APOL SILVA & ORCHARDS LIMITED
This company · 03066977
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
O'Leary Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
Mr Steven James O'Leary Individual · British · DOB 08/1961 · age 65 | — | — | sig. influencesignificant influence | 06/04/2016 |
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| AFRICAN AGRONOMIX LIMITED→ 10384877 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BBA ATLANTIS LTD→ 11957610 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BEE IN NATURE LTD→ 13180008 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BILLINGFORD FARMS LIMITED→ 11621482 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BIOENERGY CROPS LTD→ 08155605 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BLACKWOOL FARM INVESTMENTS LIMITED→ 14616959 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BLADES FARMING LTD→ 16193166 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BRIGHTSPROUT ALLIANCE CIC→ 16998905 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BROOKEDALE LIMITED→ 02424799 · est 1989 · no financials extracted | — | — | — | — | 36y | — | — |
| BTC BRITISH TOBACCO CORPORATION LTD→ 11447236 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BWS AUTO AND MARINE REPAIRS LTD→ 08571800 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| C M FULLER & CO. LIMITED→ 02251027 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated1995-06-12
Jurisdictionengland-wales
Primary SIC01240 — SIC 01240
Registered office
Leytonstone House
Hanbury Drive
London
E11 1GA
Filing status
Accounts
Next due: 2026-10-25
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-12-09
Last: 2025-11-25
Officers (4 active · 3 resigned)
O'LEARY, Pamela Rose→
Activesecretary · appointed 1995-06-12
View their other companies + combined net worth →
O'LEARY, Pamela Rose→
Activedirector · ~86y · appointed 1995-06-12
View their other companies + combined net worth →
OLEARY, Juanita Dora→
Activedirector · ~61y · appointed 2014-10-31
View their other companies + combined net worth →
OLEARY, Steven James→
Activedirector · ~65y · appointed 2014-10-31
View their other companies + combined net worth →
WATERLOW SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1995-06-12 · resigned 1995-06-12
O'LEARY, Alan Wilfred→
Resigneddirector · ~87y · appointed 1995-06-12 · resigned 2012-11-18
WATERLOW NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 1995-06-12 · resigned 1995-06-12
Click a director name to see their full track record across all companies.
Mortgages & charges
16
Total charges
7
Outstanding
3
Active lenders
Status:Lender:16 of 16 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | West One Loan West One Loan Limited | A registered charge | 1 property | 01/05/2026 | — | |
| outstanding | West One Loan West One Loan Limited | A registered charge | 1 property | 30/09/2024 | — | |
| outstanding | West One Loan West One Loan Limited | A registered charge | 1 property | 02/05/2024 | — | |
| outstanding | West One Loan West One Loan Limited | A registered charge | 1 property | 29/02/2024 | — | |
| outstanding | InterBay Interbay Funding Limited | A registered charge | 3 properties | 18/08/2023 | — | |
| outstanding | InterBay Interbay Funding Limited | A registered charge | 3 properties | 18/08/2023 | — | |
| satisfied | West One Loan West One Loan Limited | A registered charge | 2 properties | 10/03/2022 | 31/08/2023 | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 2 properties | 08/07/2016 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal mortgage | 1 property | 11/05/2006 | 23/10/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 10/05/2006 | 16/02/2022 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 14/02/2006 | 23/08/2023 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 22/12/2003 | 25/08/2007 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 24/12/2001 | 25/08/2007 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 16/03/2001 | 25/08/2007 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 1 property | 10/11/1995 | 25/08/2007 | |
| satisfied | Midland Bank Midland Bank PLC | Fixed and floating charge | 1 property | 10/11/1995 | 25/08/2007 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (115 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-10
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-03-28
accounts-with-accounts-type-small
accounts · AA
2026-01-23
accounts-with-accounts-type-small
accounts · AA
2025-04-03
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-01-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-25
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-10-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-27
accounts-with-accounts-type-small
accounts · AA
2023-10-26
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-31
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-23