AG & JG ESTATES LIMITED
🌳Matureactive
09596017 · ltd · incorporated 2015-05-18
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
21 live charges · 9 lenders · oldest 9.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 9.7 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — 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.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
21 charges (21/21 with lender, 21/21 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
4 connected companies via shared directors
57
Filing history
84 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 2 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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 mortgage
Last 180 days
1
filing
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (51 events)Click to expand
- 2026-06-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-06-08🔓Charge satisfied #10
- 2025-12-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-10🔓Charge satisfied #12
- 2025-06-10🔓Charge satisfied #11
- 2025-06-06🔒Charge registered #21Lender: Aldermore Bank PLC
- 2024-11-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-14🔒Charge registered #20Lender: Aldermore Bank PLC
- 2024-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-29🔒Charge registered #19Lender: Aldermore Bank PLC
- 2024-08-23🔒Charge registered #18Lender: Aldermore Bank PLC
- 2024-05-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-08🔒Charge registered #17Lender: Landbay Partners Limited
- 2024-05-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-01🔒Charge registered #16Lender: Landbay Partners Limited
- 2024-04-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-05🔒Charge registered #15Lender: Aldermore Bank PLC
- 2024-04-05🔒Charge registered #14Lender: Aldermore Bank PLC
- 2024-01-30📄change-person-director-company-with-change-dateofficers · CH01
- 2023-12-19📄resolutionresolution · RESOLUTIONS
- 2023-12-19📄memorandum-articlesincorporation · MA
- 2023-12-13📄change-person-director-company-with-change-dateofficers · CH01
- 2023-12-13📄change-person-director-company-with-change-dateofficers · CH01
- 2023-12-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-12-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-12-12📄capital-name-of-class-of-sharescapital · SH08
- 2023-12-12📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2023-06-01🔒Charge registered #13Lender: Onesavings Bank PLC
- 2023-05-24🔒Charge registered #12Lender: Landbay Partners Limited
- 2023-04-20🔒Charge registered #11Lender: Landbay Partners Limited
- 2022-11-17🔒Charge registered #10Lender: Stephanie Victoria Watson
- 2022-11-16🔒Charge registered #9Lender: Fleet Mortgages Limited
- 2022-11-16🔒Charge registered #8Lender: Fleet Mortgages Limited
- 2022-11-14🔓Charge satisfied #2
- 2022-11-14🔓Charge satisfied #1
- 2022-11-03🔒Charge registered #7Lender: Charter Court Financial Services Limited
- 2021-04-13🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2020-10-02🔒Charge registered #5Lender: Charter Court Financial Services Limited #
- 2019-10-25🔒Charge registered #4Lender: Charter Court Financial Services Limited
- 2019-02-15🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2016-11-16🔒Charge registered #2Lender: Auction Finance Limited
- 2016-11-16🔒Charge registered #1Lender: Auction Finance Limited
- 2015-05-18🏢Company incorporatedAs AG & JG ESTATES LIMITED
- 2015-05-18➕GRIFFIN, Angus Iain appointeddirector
Showing most recent 50 of 51 events
Owner dependency
71/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
16 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Angus Griffin Individual · British · DOB 11/1981 · age 45 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 12/05/2020 |
Ms Janet Catherine Griffin Individual · British · DOB 05/1987 · age 39 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 12/05/2020 |
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 →Similar companies
Active · Property · IP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3X INVESTMENTS LIMITED→ 10631276 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| 43 ROYAL YORK CRESCENT MANAGEMENT COMPANY LIMITED→ 03057093 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| A J & K PROPERTIES LIMITED→ 08210165 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| A&J PRIME PROPERTIES LTD→ 17049081 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACTIVE CIRCLE LTD→ 15956418 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AE RESIDENTIAL INVESTMENTS LIMITED→ 15000550 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AFFINITY 4 HOMES LTD→ 14952445 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AFZAL 1 PROPERTY LTD→ 13490786 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AFZAL PROPERTY LIMITED→ 13426393 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AG INFRA LIMITED→ 12687308 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AG LETTINGS LTD→ 16994928 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AGENCY VENTURES LTD→ 15825468 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2015-05-18
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
80 Compair Crescent
Ipswich
Suffolk
IP2 0EH
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-26
Last: 2026-01-12
Officers (2 active · 0 resigned)
GRIFFIN, Angus Iain→
Activedirector · ~45y · appointed 2015-05-18
View their other companies + combined net worth →
GRIFFIN, Janet Catherine→
Activedirector · ~39y · appointed 2015-05-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
21
Total charges
16
Outstanding
6
Active lenders
Status:Lender:21 of 21 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 2 properties | 06/06/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 14/11/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 29/08/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 23/08/2024 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 08/05/2024 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 01/05/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 05/04/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 05/04/2024 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 01/06/2023 | — | |
| satisfied | Landbay Landbay Partners Limited | A registered charge | 1 property | 24/05/2023 | 10/06/2025 | |
| satisfied | Landbay Landbay Partners Limited | A registered charge | 1 property | 20/04/2023 | 10/06/2025 | |
| satisfied | Stephanie Victoria Watson | A registered charge | 1 property | 17/11/2022 | 08/06/2026 | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 16/11/2022 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 16/11/2022 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 03/11/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 13/04/2021 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited # | A registered charge | 1 property | 02/10/2020 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 25/10/2019 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 15/02/2019 | — | |
| satisfied | Auction Finance Auction Finance Limited | A registered charge | 1 property | 16/11/2016 | 14/11/2022 | |
| satisfied | Auction Finance Auction Finance Limited | A registered charge | 1 property | 16/11/2016 | 14/11/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (84 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-08
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-10
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-10
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-05