AGRICULTURAL & CROSS COUNTRY VEHICLES LIMITED

🌳Matureactive

04531075 · ltd · incorporated 2002-09-10

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

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 6.7y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Oct 2025

Net worth

£2.7k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: SIC 45112

Sector: Wholesale & retail

Investor take

Pursue

Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 6.7y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 6.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (77/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

5 officers (3 active, 5 linked, 3 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

57 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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 £2,707

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£3k

~ YoY

Current Assets

£44k

↓ 2.8% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-10-31	2024-10-31
Total assets	£2.7k	£2.7k
Current assets	£44.4k	£45.6k
Net assets	£2.7k	£2.7k

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

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (24 events)Click to expand

2026-04-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-07-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-09-06
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-08-30
🔒
Charge registered #1
Lender: Hsbc UK Bank PLC
2019-07-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-07-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-06-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-07-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-10-05
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-07-29
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-09-30
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2002-09-10
🏢
Company incorporated
As AGRICULTURAL & CROSS COUNTRY VEHICLES LIMITED
2002-09-10
➕
PEDERSON, Marc appointed
secretary
2002-09-10
➕
PEDERSON, Marc appointed
director
2002-09-10
➕
SANDOVER, Steven appointed
director
2002-09-10
➕
THOMAS, Howard appointed
nominee-secretary
2002-09-10
➖
THOMAS, Howard resigned
nominee-secretary
2002-09-10
➕
TESTER, William Andrew Joseph appointed
nominee-director
2002-09-10
➖
TESTER, William Andrew Joseph resigned
nominee-director

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

96/100

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 71 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 24 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.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Marc Pederson Individual · British · DOB 02/1962 · age 64	25–50%	—	25-50% shares	06/04/2016
Mr Steven Sandover Individual · British · DOB 10/1955 · age 71	25–50%	—	25-50% shares	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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3A SMART LTD→ 16578546 · est 2025 · no financials extracted	—	—	—	—	—	—	—
7 STAR ENGINES LTD→ 17128013 · est 2026 · no financials extracted	—	—	—	—	—	—	—
A G F 4X4 LIMITED→ 03866099 · est 1999 · no financials extracted	—	—	—	—	26y	—	—
A.A SLICK TYRES LTD→ 11408000 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
A.P.B. TRADING LIMITED→ 02081999 · est 1986 · no financials extracted	—	—	—	—	39y	—	—
A&D AUTOCARE LIMITED→ 16810811 · est 2025 · no financials extracted	—	—	—	—	—	—	—
A1 MOTOR SPARES (MIDLANDS) LTD→ 15136785 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
AA AUTOS MIDLANDS LTD→ 16154621 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ACL AUTO REPAIRS LIMITED→ 11662207 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ACL MOT & REPAIRS LTD→ 14515048 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ADR PERFORMANCE CENTRE LTD→ 13684937 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
AGYENGO REPAIRS LIMITED→ 15770688 · est 2024 · no financials extracted	—	—	—	—	1y	—	—

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

Incorporated2002-09-10

Jurisdictionengland-wales

Primary SIC45112 — SIC 45112

Registered office

The Old School

Saint Johns Road Kates Hill

Dudley

West Midlands

DY2 7JT

Filing status

Accounts

Next due: 2027-07-31

Last made up to: 2025-10-31

Confirmation statement

Next due: 2026-09-24

Last: 2025-09-10

Officers (3 active · 2 resigned)

PEDERSON, Marc→

secretary · appointed 2002-09-10

View their other companies + combined net worth →

Active

PEDERSON, Marc→

director · ~64y · appointed 2002-09-10

View their other companies + combined net worth →

Active

SANDOVER, Steven→

director · ~71y · appointed 2002-09-10

View their other companies + combined net worth →

Active

THOMAS, Howard→

nominee-secretary · appointed 2002-09-10 · resigned 2002-09-10

Resigned

TESTER, William Andrew Joseph→

nominee-director · ~64y · appointed 2002-09-10 · resigned 2002-09-10

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	HSBC Hsbc UK Bank PLC	A registered charge	1 property	30/08/2019	—

Click column headers to sort. Use filters above to narrow by status and lender.