J & H FISHER LIMITED
🌳Matureactive
06529675 · ltd · incorporated 2008-03-11
Investment thesis
Looks cheap but ownership + security both unclear — probable value trap.
Why interesting: Headline metrics may be attractive.
Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£2.89M
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Growing of cereals (except rice), leguminous crops and oil seeds
Sector: Agriculture, forestry & fishing
ALSO REGISTERED FOR
- 01130SIC 01130
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 77/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -48% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 14.3y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 14.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
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, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 4 with DOB)
86
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
Network not yet resolved
30
Filing history
42 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £2,886,781
Net assets shrinking
Down £532,716 YoY
Cash draining
Cash down 48% YoY
Cash YoY
-48%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£280k
↓ 48% YoY
Net Worth
£2.9m
↓ 16% YoY
Current Assets
£919k
↓ 46% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £4.03M | £4.67M |
| Current assets | £918.6k | £1.71M |
| Cash | £279.6k | £542.9k |
| Debtors | £212.9k | £417.3k |
| Net assets | £2.89M | £3.42M |
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
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
5
filings
- • 4 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-03-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-27📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-02-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-12➕FISHER, Helen Elizabeth appointeddirector
- 2025-03-12➖FISHER, Susan Nicholas resignedsecretary
- 2025-03-12➖FISHER, John David resigneddirector
- 2025-03-12➖FISHER, Susan Nicholas resigneddirector
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-09-20🔒Charge registered #2Lender: Lloyds Bank PLC
- 2017-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-12-14📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2012-04-16🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2008-03-11🏢Company incorporatedAs J & H FISHER LIMITED
- 2008-03-11➕FISHER, Henry John appointeddirector
- 2008-03-11➕FISHER, Susan Nicholas appointedsecretary
- 2008-03-11➕FISHER, John David appointeddirector
- 2008-03-11➕FISHER, Susan Nicholas appointeddirector
Owner dependency
91/100
Critical — business is the founderThe 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.
- +Founder name in company name: Company name contains director surname "FISHER" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Similar companies
Active · Agriculture · CV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| H M BLOODSTOCK SERVICES LTD→ 11750547 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| HATTON FARMS LIMITED→ 02021051 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| HILL SIDE AGRICULTURAL LTD→ 16997557 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| HONEY BEE MEADOW LTD→ 13063904 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| HONILEY FARMS LIMITED→ 01627251 · est 1982 · no financials extracted | — | — | — | — | 44y | — | — |
| HYDRA SQUARE LIMITED→ 16603183 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ILEX ENVIROSCIENCES LIMITED→ 04991822 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| J H & N J FOXON LIMITED→ 10626382 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| J RUTTER & SON LTD→ 12171050 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| J WHITE FARM SERVICES LTD→ 12854147 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| J. & N. RYMER LIMITED→ 05173278 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| J.M.T. ENGINEERING (LADBROKE) LIMITED→ 04668689 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2008-03-11
Jurisdictionengland-wales
Primary SIC01110 — Growing of cereals (except rice), leguminous crops and oil seeds
Registered office
Dairy House Farm
Spon Lane, Grendon
Atherstone
Warwickshire
CV9 2EX
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-25
Last: 2026-03-11
Officers (2 active · 3 resigned)
FISHER, Helen Elizabeth→
Activedirector · ~52y · appointed 2025-03-12
View their other companies + combined net worth →
FISHER, Henry John→
Activedirector · ~55y · appointed 2008-03-11
View their other companies + combined net worth →
FISHER, Susan Nicholas→
Resignedsecretary · appointed 2008-03-11 · resigned 2025-03-12
FISHER, John David→
Resigneddirector · ~82y · appointed 2008-03-11 · resigned 2025-03-12
FISHER, Susan Nicholas→
Resigneddirector · ~81y · appointed 2008-03-11 · resigned 2025-03-12
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 20/09/2018 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 16/04/2012 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (42 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-12
appoint-person-director-company-with-name-date
officers · AP01
2026-03-13
termination-secretary-company-with-name-termination-date
officers · TM02
2026-02-27
termination-director-company-with-name-termination-date
officers · TM01
2026-02-27
termination-director-company-with-name-termination-date
officers · TM01
2026-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-31
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-01