A AND G REAL ESTATE LIMITED
- 68209Other letting and operating of own or leased real estate
Opportunity 58/100 (worth a look), bankability 37/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (38/100).
Refinance opportunity
5 live charges · 5 lenders · oldest 4.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.5 years — mid-life; refi window approaching.
- · 5 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Mixed signal. Worth opening the full target workup before deciding to pursue.
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 | 2024-03-31 | 2023-03-31 |
|---|---|---|
| Average employees | 100 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 mortgage
- • 1 confirmation-statement
- • 1 mortgage
Corporate timeline (28 events)Click to expand
- 2026-03-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-24🔒Charge registered #5Lender: Bath and West Finance Limited
- 2025-11-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-08-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-05🔒Charge registered #4Lender: Djf Capital LTD
- 2025-08-05🔒Charge registered #3Lender: Beckdale Properties Limited
- 2025-04-07📄change-to-a-person-with-significant-control-without-name-datepersons-with-significant-control · PSC05
- 2025-04-04📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-18🔒Charge registered #2Lender: Sonrie Aesthetics LTD
- 2024-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-17📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-12-21🔒Charge registered #1Lender: Hampshire Trust Bank PLC
- 2021-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2021-03-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-30➖COOPER, Giles Harvey resigneddirector
- 2020-11-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2019-04-15🏢Company incorporatedAs A AND G REAL ESTATE LIMITED
- 2019-04-15➕GARDINER, Allister James appointeddirector
- 2019-04-15➕COOPER, Giles Harvey appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 high · 1 med · 1 lowStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-03-31
Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-24: A registered charge; 2025-08-05: A registered charge; 2025-08-05: A registered charge
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Ag Construction (Holdings) Ltd 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 |
|---|---|---|---|---|
Ag Construction (Holdings) Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/07/2020 |
2 historic (ceased) PSCs
- Mr Giles Harvey Cooperceased 10/02/2021· 25-50% shares · 25-50% voting · board control
- Mr Allister James Gardinerceased 03/07/2020· 25-50% shares · 25-50% voting · board control
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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11 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 · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Bath and West Finance Bath and West Finance Limited | A registered charge | 1 property | 24/03/2026 | — | |
| outstanding | Djf Capital Djf Capital LTD | A registered charge | 1 property | 05/08/2025 | — | |
| outstanding | Beckdale Properties Beckdale Properties Limited | A registered charge | 1 property | 05/08/2025 | — | |
| outstanding | Sonrie Aesthetics / Djf Capital Sonrie Aesthetics LTD / Djf Capital LTD | A registered charge | 1 property | 18/10/2024 | — | |
| outstanding | Hampshire Trust Bank Hampshire Trust Bank PLC | A registered charge | 1 property | 21/12/2021 | — |