A G COMMERCIAL PROPERTIES LIMITED
Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 12.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 12.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
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.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 100 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
Corporate timeline (23 events)Click to expand
- 2025-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-11-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-11-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-11-30🔓Charge satisfied #2
- 2017-11-30🔓Charge satisfied #1
- 2017-07-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-05📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-06-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-01📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-04-15📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-09-22🔒Charge registered #4Lender: Santander UK PLC
- 2014-09-22🔒Charge registered #3Lender: Santander UK PLC
- 2014-05-02🔒Charge registered #2Lender: Lancashire Mortgage Corporation Limited
- 2014-03-25🔒Charge registered #1Lender: Lancashire Mortgage Corporation Limited
- 2014-02-06🏢Company incorporatedAs A G COMMERCIAL PROPERTIES LIMITED
- 2014-02-06➕PATEL, Mustaq Ahmed Ismail appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mustaq Ahmed Ismail Patel Individual · British · DOB 11/1972 · age 54 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
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
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| A G HOLDINGS 85 LIMITED→ 16639967 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| ACS HOLDINGS (LANCS) LIMITED→ 13538574 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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| ADA PROPERTIES NW LTD→ 16162516 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ADAM BOWLAND LIMITED→ 10596316 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ADAMS PROPERTIES (BLACKBURN) LTD→ 12325020 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADAMS PROPERTIES (NELSON) LIMITED→ 05844805 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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 →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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Santander Santander UK PLC | A registered charge | 3 properties | 22/09/2014 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | — | 22/09/2014 | — | |
| satisfied | Lancashire Mortgage Corporation Lancashire Mortgage Corporation Limited | A registered charge | 2 properties | 02/05/2014 | 30/11/2017 | |
| satisfied | Lancashire Mortgage Corporation Lancashire Mortgage Corporation Limited | A registered charge | 2 properties | 25/03/2014 | 30/11/2017 |