H F PRODUCE LIMITED
Opportunity 77/100 (strong), bankability 67/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
5 live charges · 5 lenders · oldest 11.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 11.8 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)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 | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Average employees | 30 | 3100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
4 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
- • 1 accounts
Corporate timeline (28 events)Click to expand
- 2026-03-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-13🔒Charge registered #5Lender: Hsbc Equipment Finance (UK) Limited
- 2025-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-24🔓Charge satisfied #3
- 2025-07-24🔓Charge satisfied #2
- 2025-02-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-04➕OATEY, Elizabeth Harriet appointeddirector
- 2025-02-04➕OATEY, William Henry appointeddirector
- 2025-01-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-04🔒Charge registered #4Lender: Hsbc UK Bank PLC
- 2023-05-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-12-12🔒Charge registered #3Lender: Santander UK PLC
- 2018-04-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-12-18🔒Charge registered #2Lender: Santander UK PLC (As Security Trustee)
- 2014-09-30🔒Charge registered #1Lender: Agricola Growers Limited (5245363)
- 2014-07-30🏢Company incorporatedAs H F PRODUCE LIMITED
- 2014-07-30➕OATEY, Jeremy Paul appointeddirector
- 2014-07-30➕OATEY, Sarah Harriet appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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
Agricola Growers 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 |
|---|---|---|---|---|
Agricola Growers Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 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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|---|---|---|---|---|---|---|---|
| CORNISH GEOTHERMAL DISTILLERY COMPANY LTD→ 12361436 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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| GUANCHITAS LIMITED→ 15786021 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| HELFORD RIVER DISTILLERY LTD→ 10163795 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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| HS HEYS SCIENTIFIC LIMITED→ 16616485 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JACK'S TRADING CO LTD→ 12359046 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| JAMIES PASTY SHOP LIMITED→ 04662061 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| JAYS' WORS AND MORE LTD→ 16704186 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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 (4 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Equipment Finance (UK) Limited | A registered charge | 1 property | 13/08/2025 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 04/08/2023 | — | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/12/2018 | 24/07/2025 | |
| satisfied | Santander Santander UK PLC (As Security Trustee) | A registered charge | 1 property | 18/12/2014 | 24/07/2025 | |
| outstanding | Agricola Growers (5245363) Agricola Growers Limited (5245363) | A registered charge | 3 properties | 30/09/2014 | — |