C & G DIRECT LIMITED

🌳Matureactive
07406053 · ltd · incorporated 2010-10-13
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 15.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Wholesale of clothing and footwear
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 65/100. Strong seller-intent signal (83/100, director aged 76). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 15.5y

70/100
ready

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

  • · Oldest live charge is 15.5 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (82/100)

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
75
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
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£0£0£0£0£0Mar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-03-312025-03-31
Average employees22

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

🔒Filing-note intelligence

2 signals 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 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-05-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-10-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-10-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-10-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-10-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-10-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2025-08-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-07-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2023-06-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2022-08-16
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2021-09-14
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2020-12-01
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2020-09-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2020-09-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2020-09-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2020-09-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2019-11-07
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2016-02-23
    🔒
    Charge registered #6
    Lender: National Westminster Bank PLC
  19. 2015-05-27
    🔒
    Charge registered #5
    Lender: National Westminster Bank PLC
  20. 2015-05-08
    🔒
    Charge registered #4
    Lender: National Westminster Bank PLC
  21. 2013-04-12
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  22. 2013-04-12
    🔓
    Charge satisfied #2
  23. 2013-04-12
    🔓
    Charge satisfied #1
  24. 2011-05-23
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  25. 2011-04-06
    ➕
    HARKER, Graham Glenn Riley appointed
    director
  26. 2011-01-17
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  27. 2010-10-13
    🏢
    Company incorporated
    As C & G DIRECT LIMITED
  28. 2010-10-13
    ➕
    HARKER, Cathryn Lesley appointed
    director
  29. 2010-10-13
    ➕
    KAHAN, Barbara appointed
    director
  30. 2010-10-13
    ➖
    KAHAN, Barbara resigned
    director

Owner dependency

91/100
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.
  • +Founder age: Director aged approximately 76 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

89/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
  • 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 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Graham Glenn Riley Harker
Individual · British · DOB 12/1950 · age 76
50–75%
50–75%50-75% shares · 50-75% voting13/10/2016
Mrs Cathryn Lesley Harker
Individual · British · DOB 01/1958 · age 68
25–50%
25–50%25-50% shares · 25-50% voting13/10/2016

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 →

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————25y——
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————1y——
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03343021 · est 1997 · no financials extracted
————29y——
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13643903 · est 2021 · no financials extracted
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13795628 · est 2021 · no financials extracted
————4y——
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15853856 · est 2024 · no financials extracted
————1y——
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14372826 · est 2022 · no financials extracted
————3y——
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16466687 · est 2025 · no financials extracted
———————
CASA FURNITURE CONSULTANCY LTD→
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2010-10-13
Jurisdictionengland-wales
Primary SIC46420 — Wholesale of clothing and footwear

Registered office

Reception 1, First Floor Offices, Red Rose Court
Clayton Business Park
Clayton Le Moors
Lancashire
BB5 5JR
United Kingdom

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-10-27
Last: 2025-10-13

Officers (2 active · 1 resigned)

HARKER, Cathryn Lesley→
director · ~68y · appointed 2010-10-13
View their other companies + combined net worth →
Active
HARKER, Graham Glenn Riley→
director · ~76y · appointed 2011-04-06
View their other companies + combined net worth →
Active
KAHAN, Barbara→
director · ~95y · appointed 2010-10-13 · resigned 2010-10-13
Resigned

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

Mortgages & charges

6
Total charges
4
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge—23/02/2016—
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge—27/05/2015—
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge—08/05/2015—
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property12/04/2013—
satisfied
Barclays
Barclays Bank PLC
Deed of charge over credit balances1 property23/05/201112/04/2013
satisfied
Barclays
Barclays Bank PLC
Deed of charge over credit balances1 property17/01/201112/04/2013
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (61 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-15
change-person-director-company-with-change-date
officers · CH01
2025-10-15
change-person-director-company-with-change-date
officers · CH01
2025-10-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-09
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-06-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-08-16
confirmation-statement-with-updates
confirmation-statement · CS01
2021-10-13