AGP EUROPE LIMITED

🌳Matureactive
07149591 · ltd · incorporated 2010-02-08
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 4.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
🔔
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What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
  • 82990Other business support service activities n.e.c.
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

1 live charge · oldest 4.4y

75/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Charge age ~4.4 years — mid-life; refi window approaching.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
52 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
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
82
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
—
£0£29k£58k£87k£117k£146kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Total assets—£138.5k
Current assets—£145.8k
Cash—£135.3k
Debtors—£10.4k
Net assets—£115.1k
Average employees0—

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

Recent activity

Last 30 days
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-01-20
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-04-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2024-08-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-04-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2023-09-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2023-09-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-06-20
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2023-06-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2023-01-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2022-01-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2022-01-07
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  13. 2021-09-16
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2021-09-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2021-09-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2021-09-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2021-09-09
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  18. 2021-09-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  19. 2020-11-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2018-03-09
    ➕
    CLIFF, Rebecca appointed
    director
  21. 2010-02-08
    🏢
    Company incorporated
    As AGP EUROPE LIMITED
  22. 2010-02-08
    ➕
    CLIFF, Paul Edward appointed
    director

Owner dependency

81/100
Critical — business is the founder

The 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.
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 16 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

59/100
Strong succession signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 16 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Paul Edward Cliff
Individual · British · DOB 05/1981 · age 45
75–100%
—75-100% shares06/04/2016
Mrs Rebecca Jayne Cliff
Individual · British · DOB 01/1980 · age 46
25–50%
25–50%25-50% shares · 25-50% voting08/04/2020

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 →

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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.

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Company details

Statusactive
Typeltd
Incorporated2010-02-08
Jurisdictionengland-wales
Primary SIC45200 — SIC 45200

Registered office

300 St. Marys Road
Garston
Liverpool
L19 0NQ
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-08-09
Last: 2025-07-26

Officers (2 active · 0 resigned)

CLIFF, Paul Edward→
director · ~45y · appointed 2010-02-08
View their other companies + combined net worth →
Active
CLIFF, Rebecca→
director · ~46y · appointed 2018-03-09
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge—07/01/2022—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (52 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-04-25
change-person-director-company-with-change-date
officers · CH01
2023-09-27
change-person-director-company-with-change-date
officers · CH01
2023-09-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-04