A G FARMER LTD
- · Oldest live charge 21.1y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
1 live charge · oldest 21.1y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 21.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Average employees | 400 | 400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
- • 1 persons-with-significant-control
- • 1 officers
- • 1 persons-with-significant-control
- • 1 officers
Corporate timeline (32 events)Click to expand
- 2026-02-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-08-20📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-08📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2021-12-08📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-12-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-12-08📄capital-allotment-sharescapital · SH01
- 2021-12-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-12-08🔓Charge satisfied #1
- 2021-12-07➕FARMER, Peter Luke appointedsecretary
- 2021-12-07➕FARMER, Peter Luke appointeddirector
- 2021-12-07➖FARMER, Stephen resignedsecretary
- 2021-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2006-04-21➕FARMER, Stephen appointedsecretary
- 2006-04-21➖HOLT, Joanne Frances resignedsecretary
- 2005-04-13🔒Charge registered #1Lender: Hsbc Bank PLC
- 2004-08-12➖FORM 10 SECRETARIES FD LTD resignedcorporate-nominee-secretary
- 2004-08-12➖FORM 10 DIRECTORS FD LTD resignedcorporate-nominee-director
- 2004-08-10➕FARMER, Andrew George appointeddirector
- 2004-08-10➕HOLT, Joanne Frances appointedsecretary
- 2004-08-06🏢Company incorporatedAs A G FARMER LTD
- 2004-08-06➕FORM 10 SECRETARIES FD LTD appointedcorporate-nominee-secretary
- 2004-08-06➕FORM 10 DIRECTORS FD LTD appointedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "FARMER" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- primaryFamily succession underway: Not a takeover target — FARMER, Peter Luke (same surname) appointed 2021-12-07. Pattern consistent with intra-family handover.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Peter Luke Farmer Individual · British · DOB 01/1994 · age 32 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 07/12/2021 |
Mr Andrew George Farmer Individual · British · DOB 08/1969 · age 57 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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6 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 →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
Registered office
Filing status
Officers (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 13/04/2005 | 08/12/2021 |