BORDER PLANT SALES LTD
Opportunity 77/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 20.2y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 20.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
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 · FRS 102| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Average employees | 11 | 1200 |
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 accounts
Corporate timeline (26 events)Click to expand
- 2026-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-04-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-05-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-11-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-05-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-06-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-02-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-11-09📄change-person-secretary-company-with-change-dateofficers · CH03
- 2018-11-09📄change-person-director-company-with-change-dateofficers · CH01
- 2018-01-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-12-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-12-12🔓Charge satisfied #1
- 2017-06-22🔒Charge registered #2Lender: Lloyds Bank PLC
- 2006-04-12🔒Charge registered #1Lender: The Co-Operative Bank PLC
- 2004-12-17➕LOWE, Jane Patricia appointedsecretary
- 2004-12-17➕LOWE, Stephen Richard appointeddirector
- 2004-12-17➖CREDITREFORM (SECRETARIES) LIMITED resignedcorporate-secretary
- 2004-12-17➖CREDITREFORM LIMITED resignedcorporate-director
- 2004-11-16🏢Company incorporatedAs BORDER PLANT SALES LTD
- 2004-11-16➕CREDITREFORM (SECRETARIES) LIMITED appointedcorporate-secretary
- 2004-11-16➕CREDITREFORM LIMITED appointedcorporate-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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 Stephen Richard Lowe Individual · British · DOB 08/1973 · age 53 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 01/11/2016 |
Mrs Jane Patricia Lowe Individual · British · DOB 07/1974 · age 52 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/11/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 22/06/2017 | — | |
| satisfied | Co-operative Bank The Co-Operative Bank PLC | Debenture | 1 property | 12/04/2006 | 12/12/2017 |