F & G COMMERCIALS (OLDHAM) LIMITED
- · Oldest live charge 17.2y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 85/100. Strong seller-intent signal (65/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 17.2y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 17.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £1 | £1 |
| Current assets | £1 | £1 |
| Net assets | £1 | £1 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 dissolution
Corporate timeline (36 events)Click to expand
- 2026-02-17📄dissolution-voluntary-strike-off-suspendeddissolution · SOAS(A)
- 2025-12-09📄gazette-notice-voluntarygazette · GAZ1(A)
- 2025-11-28📄dissolution-application-strike-off-companydissolution · DS01
- 2025-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-21📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-20📄accounts-with-accounts-type-smallaccounts · AA
- 2020-12-10📄accounts-with-accounts-type-smallaccounts · AA
- 2020-11-10📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2020-08-21📄resolutionresolution · RESOLUTIONS
- 2020-05-21📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2019-08-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-08-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-08-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-08-06🔓Charge satisfied #3
- 2019-08-06🔓Charge satisfied #2
- 2019-08-06🔓Charge satisfied #1
- 2019-07-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-07-08📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2019-07-01➕WELCH, Andrew appointedsecretary
- 2019-07-01➕TRUSCOTT, Robert Gordon appointeddirector
- 2019-07-01➕WELCH, Andrew Barrie appointeddirector
- 2019-07-01➖WOODHEAD, Cheryl resignedsecretary
- 2019-07-01➖STEVENSON, Glenn Andrew, Mr. resigneddirector
- 2019-07-01➖WOODHEAD, Frank resigneddirector
- 2015-05-19🔒Charge registered #3Lender: Hsbc Bank PLC
- 2009-08-28🔒Charge registered #2Lender: Hsbc Invoice Finance (UK) LTD
- 2009-06-01🔒Charge registered #1Lender: Hsbc Bank PLC
- 2009-01-19🏢Company incorporatedAs F & G COMMERCIALS (OLDHAM) LIMITED
- 2009-01-19➕WOODHEAD, Cheryl appointedsecretary
- 2009-01-19➕ROUND, Jonathon Charles appointeddirector
- 2009-01-19➖ROUND, Jonathon Charles resigneddirector
- 2009-01-19➕STEVENSON, Glenn Andrew, Mr. appointeddirector
- 2009-01-19➕WOODHEAD, Frank appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 18 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
F & G Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
F & G Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 31/01/2019 |
3 historic (ceased) PSCs
- Mr Frank Woodheadceased 01/07/2019· 25-50% voting · firm interest
- Mr Glenn Andrew Stevensonceased 01/07/2019· 25-50% shares · firm interest
- Mr Glenn Andrew Stevensonceased 31/01/2019· 25-50% voting · firm interest
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Other · HP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CREATIVE INDUSTRIES PROPERTY SUMMIT LIMITED→ 15862228 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| DDA FIRE LIMITED→ 06480014 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| DEADLINE COURIERS LIMITED→ 03366732 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| DED GUD LIMITED→ 15574071 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DELTAMIND SOLUTIONS LIMITED→ 14393928 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DIGLIS WATER ESTATE MANAGEMENT COMPANY LIMITED→ 05747889 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| DIRECT TOUCH MINISTRIES INTERNATIONAL LIMITED→ 05353292 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| DLA IGNITE LTD→ 11962355 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DMD HEALTH CARE LTD→ 14376426 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DPI MANAGEMENT LIMITED→ 13116197 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| DPX VENTURES LLP→ OC426623 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DRAGTEK AUTOS LTD→ 14059439 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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 | A registered charge | 1 property | 19/05/2015 | 06/08/2019 | |
| satisfied | HSBC Hsbc Invoice Finance (UK) LTD | Fixed charge on non-vesting debts and floating charge | 1 property | 28/08/2009 | 06/08/2019 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 01/06/2009 | 06/08/2019 |