S & A GROUP HOLDINGS LIMITED
🌳Matureactive
04555691 · ltd · incorporated 2002-10-08
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 23.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Wholesale of fruit and vegetables
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 71-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · oldest 23.1y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 23.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 30/100 — 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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
19 officers (8 active, 19 linked, 14 with DOB)
85
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
102 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
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 | 2024-12-31 | 2023-12-31 |
|---|
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (53 events)Click to expand
- 2025-09-26📄accounts-with-accounts-type-groupaccounts · AA
- 2025-07-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-04➖JUDGE, John Peter resigneddirector
- 2025-05-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-01➕DAVIES, Charles appointeddirector
- 2025-05-01➕TROOD, Nigel John appointeddirector
- 2025-05-01➖GREEN, Frank Michael resigneddirector
- 2025-01-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-01-09📄memorandum-articlesincorporation · MA
- 2025-01-09📄resolutionresolution · RESOLUTIONS
- 2025-01-08📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2025-01-07📄capital-name-of-class-of-sharescapital · SH08
- 2025-01-07📄capital-allotment-sharescapital · SH01
- 2024-09-19📄accounts-with-accounts-type-groupaccounts · AA
- 2023-09-21📄accounts-with-accounts-type-groupaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-groupaccounts · AA
- 2021-10-26📄accounts-with-accounts-type-groupaccounts · AA
- 2020-08-17📄accounts-with-accounts-type-groupaccounts · AA
- 2020-08-05➕SNOW, David Wallis Ballintine appointeddirector
- 2020-08-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-05-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-05-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-09-11➖NAEREBOUT, Jan Willem resigneddirector
- 2018-04-16➕JUDGE, John Peter appointeddirector
- 2018-01-01➕KERR, James appointedsecretary
- 2018-01-01➕KERR, James appointeddirector
- 2018-01-01➖GREGORY, Trevor John resignedsecretary
- 2016-12-07➖SNOW, David Wallace Ballintine resigneddirector
- 2016-11-07➕DAVIES, Stanley John appointeddirector
- 2009-07-14➖DAVIES, Stanley John resigneddirector
- 2009-06-17➖SOPHER, Jon Andrew Victor resigneddirector
- 2009-05-29➕SNOW, David Wallace Ballintine appointeddirector
- 2009-05-11➕GREEN, Frank Michael appointeddirector
- 2008-05-29➖LEWIS, Craig resigneddirector
- 2008-01-16➕GREGORY, Trevor John appointeddirector
- 2008-01-16➕MARTIN, Daniel Henry appointeddirector
- 2008-01-16➕LEWIS, Craig appointeddirector
- 2008-01-16➕NAEREBOUT, Jan Willem appointeddirector
- 2007-11-07➕GREGORY, Trevor John appointedsecretary
- 2007-11-07➖SAVORY, Gilbert resignedsecretary
- 2007-10-09➕SOPHER, Jon Andrew Victor appointeddirector
- 2004-04-30🔒Charge registered #3Lender: Lloyds Tsb Bank PLC
- 2003-05-15🔒Charge registered #2Lender: Lloyds Tsb Bank PLC
- 2003-03-31🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2002-10-22➖DAVIES, Deborah resignedsecretary
- 2002-10-22➕SAVORY, Gilbert appointedsecretary
- 2002-10-08🏢Company incorporatedAs S & A GROUP HOLDINGS LIMITED
- 2002-10-08➕DAVIES, Deborah appointedsecretary
Showing most recent 50 of 53 events
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -7 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 71 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 18 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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 |
|---|---|---|---|---|
Mrs Debra Mary Davies Individual · British · DOB 10/1966 · age 60 | 25–50% | — | 25-50% shares | 09/03/2020 |
Mr Stanley John Davies Individual · British · DOB 09/1963 · age 63 | 25–50% | — | 25-50% shares | 09/03/2020 |
1 historic (ceased) PSC
- Mr Frank Michael Greenceased 19/12/2024· 50-75% shares
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
Active · Wholesale & distribution · HR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2K FASHION LTD→ 16391558 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 4OCUS TECH LIMITED→ 16721325 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A AR IH LTD→ 15503249 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ABERCROMBE EGINTON LTD→ 16622881 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADSQ LOGISTICS LTD→ 16022321 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AETHER ADORNMENTS LTD→ 16126215 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AETHERCRAFT GLOBAL LTD→ 16058805 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AETHERIUM TRADE LTD→ 16614961 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AFYA TRADING CO., LTD→ 16871082 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGARIL LIMITED→ 16892853 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGO TRADING LTD→ 16541801 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGR INVEST LTD→ 14498945 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2002-10-08
Jurisdictionengland-wales
Primary SIC46310 — Wholesale of fruit and vegetables
Registered office
Brook Farm
Marden
Hereford
Herefordshire
HR1 3ET
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-15
Last: 2026-05-01
Officers (8 active · 11 resigned)
Active
DAVIES, Charles→
Activedirector · ~33y · appointed 2025-05-01
View their other companies + combined net worth →
DAVIES, Stanley John→
Activedirector · ~63y · appointed 2016-11-07
View their other companies + combined net worth →
GREGORY, Trevor John→
Activedirector · ~71y · appointed 2008-01-16
View their other companies + combined net worth →
Active
MARTIN, Daniel Henry→
Activedirector · ~53y · appointed 2008-01-16
View their other companies + combined net worth →
SNOW, David Wallis Ballintine→
Activedirector · ~65y · appointed 2020-08-05
View their other companies + combined net worth →
TROOD, Nigel John→
Activedirector · ~61y · appointed 2025-05-01
View their other companies + combined net worth →
DAVIES, Deborah→
Resignedsecretary · appointed 2002-10-08 · resigned 2002-10-22
GREGORY, Trevor John→
Resignedsecretary · appointed 2007-11-07 · resigned 2018-01-01
SAVORY, Gilbert→
Resignedsecretary · appointed 2002-10-22 · resigned 2007-11-07
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-10-08 · resigned 2002-10-08
DAVIES, Stanley John→
Resigneddirector · ~63y · appointed 2002-10-08 · resigned 2009-07-14
GREEN, Frank Michael→
Resigneddirector · ~86y · appointed 2009-05-11 · resigned 2025-05-01
JUDGE, John Peter→
Resigneddirector · ~64y · appointed 2018-04-16 · resigned 2025-07-04
LEWIS, Craig→
Resigneddirector · ~55y · appointed 2008-01-16 · resigned 2008-05-29
NAEREBOUT, Jan Willem→
Resigneddirector · ~56y · appointed 2008-01-16 · resigned 2018-09-11
SNOW, David Wallace Ballintine→
Resigneddirector · ~65y · appointed 2009-05-29 · resigned 2016-12-07
SOPHER, Jon Andrew Victor→
Resigneddirector · ~61y · appointed 2007-10-09 · resigned 2009-06-17
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 15 may 2003 | 1 property | 30/04/2004 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | An omnibus guarantee and set-off agreement | 1 property | 15/05/2003 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 31/03/2003 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (102 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-05
accounts-with-accounts-type-group
accounts · AA
2025-09-26
termination-director-company-with-name-termination-date
officers · TM01
2025-07-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-07
appoint-person-director-company-with-name-date
officers · AP01
2025-05-07
appoint-person-director-company-with-name-date
officers · AP01
2025-05-07
termination-director-company-with-name-termination-date
officers · TM01
2025-05-07
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-14
memorandum-articles
incorporation · MA
2025-01-09
resolution
resolution · RESOLUTIONS
2025-01-09
capital-variation-of-rights-attached-to-shares
capital · SH10
2025-01-08
capital-name-of-class-of-shares
capital · SH08
2025-01-07
capital-allotment-shares
capital · SH01
2025-01-07
accounts-with-accounts-type-group
accounts · AA
2024-09-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-02