JAGMAN LIMITED

🌳Matureactive
04878068 · ltd · incorporated 2003-08-27
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 22.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
£13.2k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 68100Buying and selling of own real estate
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 82/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 22.7y

70/100
ready

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

  • · Oldest live charge is 22.7 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (69/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 3 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
76 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
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 £13,219

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£13k
Current Assets
£169k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-08-31
Total assets£112.5k
Current assets£168.8k
Net assets£13.2k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2026-04-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2026-03-01
    ➕
    RATCLIFFE, Stephanie appointed
    director
  3. 2025-12-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2025-12-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-11-28
    🔒
    Charge registered #3
    Lender: Allica Bank Limited
  6. 2025-11-28
    🔒
    Charge registered #2
    Lender: Allica Bank Limited
  7. 2025-10-21
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  8. 2025-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2025-03-20
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2025-03-20
    🔓
    Charge satisfied #1
  11. 2024-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2023-12-16
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  13. 2023-12-16
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  14. 2023-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2022-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2021-09-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2021-09-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2021-09-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2021-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2020-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2019-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  22. 2014-10-06
    ➖
    TAYLOR, Juliet resigned
    secretary
  23. 2005-10-04
    ➖
    HOYLE, Jacqueline Diane resigned
    secretary
  24. 2005-10-04
    ➕
    TAYLOR, Juliet appointed
    secretary
  25. 2005-08-31
    ➖
    HOYLE, Jacqueline Diane resigned
    director
  26. 2003-11-21
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  27. 2003-08-27
    🏢
    Company incorporated
    As JAGMAN LIMITED
  28. 2003-08-27
    ➕
    RATCLIFFE, David Roy appointed
    director
  29. 2003-08-27
    ➕
    HOYLE, Jacqueline Diane appointed
    secretary
  30. 2003-08-27
    ➕
    SEVERNSIDE SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  31. 2003-08-27
    ➖
    SEVERNSIDE SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  32. 2003-08-27
    ➕
    HOYLE, Jacqueline Diane appointed
    director
  33. 2003-08-27
    ➕
    SEVERNSIDE NOMINEES LIMITED appointed
    corporate-nominee-director
  34. 2003-08-27
    ➖
    SEVERNSIDE NOMINEES LIMITED resigned
    corporate-nominee-director

Owner dependency

84/100
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 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

26/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — RATCLIFFE, Stephanie (same surname) appointed 2026-03-01. Pattern consistent with intra-family handover.
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
David Roy Ratcliffe
Individual · British · DOB 08/1965 · age 61
75–100%
75–100%board control75-100% shares · 75-100% voting · board control27/08/2016

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

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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 →
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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
Incorporated2003-08-27
Jurisdictionengland-wales
Primary SIC45200 — SIC 45200

Registered office

Platt Street
Platt Bridge
Wigan
Lancashire
WN2 5DA

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2027-03-04
Last: 2026-02-18

Officers (2 active · 5 resigned)

RATCLIFFE, David Roy→
director · ~61y · appointed 2003-08-27
View their other companies + combined net worth →
Active
RATCLIFFE, Stephanie→
director · ~52y · appointed 2026-03-01
View their other companies + combined net worth →
Active
HOYLE, Jacqueline Diane→
secretary · appointed 2003-08-27 · resigned 2005-10-04
Resigned
TAYLOR, Juliet→
secretary · appointed 2005-10-04 · resigned 2014-10-06
Resigned
SEVERNSIDE SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2003-08-27 · resigned 2003-08-27
Resigned
HOYLE, Jacqueline Diane→
director · ~57y · appointed 2003-08-27 · resigned 2005-08-31
Resigned
SEVERNSIDE NOMINEES LIMITED→
corporate-nominee-director · appointed 2003-08-27 · resigned 2003-08-27
Resigned

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

Mortgages & charges

3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Allica Bank
Allica Bank Limited
A registered charge1 property28/11/2025—
outstanding
Allica Bank
Allica Bank Limited
A registered charge1 property28/11/2025—
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property21/11/200320/03/2025
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (76 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-17
appoint-person-director-company-with-name-date
officers · AP01
2026-04-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-01
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-10-21
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-30
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-15
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-31
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2023-12-16
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2023-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-14
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-07