AGRICULTURAL & GROUNDSCARE CREDIT LIMITED

🌳Matureactive

05901012 · ltd · incorporated 2006-08-09

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 7.1y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Financial leasing

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 67/100. Strong seller-intent signal (63/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 7.1y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 7.1 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

Lenders & charges

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

Directors & officers

9 officers (6 active, 9 linked, 7 with DOB)

Ownership & PSC

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

Director network

3 connected companies via shared directors

Filing history

68 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2025-03-31	2024-03-31
Total assets	—	£1.41M
Current assets	—	£1.73M
Cash	—	£147.0k
Debtors	—	£1.58M
Net assets	—	£1.32M
Average employees	5	—

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

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (31 events)Click to expand

2025-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-25
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-25
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-25
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-25
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-10
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-10
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-10
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-12-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-03-31
➖
VASSILIOU, Simon William resigned
director
2021-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-04-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-04-24
🔒
Charge registered #1
Lender: Rowanmoor Trustees Limited as Trustee of the Marque Fund 2018 Ssas
2018-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-07-16
➕
VASSILIOU, Simon William appointed
director
2017-01-01
➕
WARD, Luke Nicholas appointed
director
2014-06-03
➕
MARTIN, Paul appointed
director
2010-05-11
➕
WARD, Nicholas John appointed
director
2008-03-31
➕
JOSLYN, Kate Marie appointed
director
2008-03-31
➖
BROADHURST, Christopher resigned
director
2006-08-09
🏢
Company incorporated
As AGRICULTURAL & GROUNDSCARE CREDIT LIMITED
2006-08-09
➕
JOSLYN, Simon Phillip appointed
secretary
2006-08-09
➕
JOSLYN, Simon Phillip appointed
director
2006-08-09
➕
SWIFT INCORPORATIONS LIMITED appointed
corporate-nominee-secretary
2006-08-09
➖
SWIFT INCORPORATIONS LIMITED resigned
corporate-nominee-secretary
2006-08-09
➕
BROADHURST, Christopher appointed
director

Owner dependency

73/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 66 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 20 years.
secondaryStable-but-static management: Company is 20 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 Simon Phillip Joslyn Individual · British · DOB 05/1966 · age 60	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mrs Kate Marie Joslyn Individual · British · DOB 09/1963 · age 63	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

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

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A.H.G CONSULTANCY LTD→ 15964068 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
A&I MORTGAGES LIMITED→ 15704899 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AAKGLOBALINVESTMENTS LIMITED→ 16304203 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
ACCUMULUS WEALTH MANAGEMENT LIMITED→ 10043154 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
ADAPT FINANCE INVESTMENT GROUP LIMITED→ 11121338 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
ADAPT FUNDING LIMITED→ 08972079 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
ADAPT PARTNERS LIMITED→ 11214894 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
ADATECH VENTURE LTD→ 15286063 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
AGB & ASSOCIATES LIMITED→ 04574053 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
AGB PROPERTY FINANCE LTD→ 11057259 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
AILSA PROPERTY ADVISORY LIMITED→ 09388329 · est 2015 · no financials extracted	—	—	—	—	11y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2006-08-09

Jurisdictionengland-wales

Primary SIC64910 — Financial leasing

Registered office

Nightingale House, 46/48 East

Street, Epsom

Surrey

KT17 1HQ

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-08-23

Last: 2025-08-09