GINKGO HOLDINGS LIMITED
Opportunity 78/100 (strong), bankability 80/100. 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 (73/100).
Refinance opportunity
1 live charge · oldest 5.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)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 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £863.3k | £861.1k |
| Current assets | £15.0k | £13.8k |
| Net assets | £-13.4k | £-15.6k |
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 accounts
Corporate timeline (13 events)Click to expand
- 2025-12-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-23📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-06-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-12-23🔒Charge registered #1Lender: National Westminster Bank PLC
- 2020-09-18🏢Company incorporatedAs GINKGO HOLDINGS LIMITED
- 2020-09-18➕WADSWORTH, Jonathan Murray appointeddirector
- 2020-09-18📄incorporation-companyincorporation · NEWINC
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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +No director turnover: Company is 6 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.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanGroup structure
Beckworth Financial Services 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 |
|---|---|---|---|---|
Beckworth Financial Services Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 18/09/2020 |
1 historic (ceased) PSC
- Mr Jonathan Murray Wadsworthceased 14/04/2025· 75-100% shares · 75-100% 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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| 2 BRYANTWOOD ROAD RTM COMPANY LIMITED→ 07313242 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
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| 33, POLSLOE ROAD (EXETER) LIMITED→ 02377765 · est 1989 · no financials extracted | — | — | — | — | 36y | — | — |
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| 35 BIDEFORD HIGH STREET LTD→ 12999545 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 361 INVESTMENTS LTD→ 15140473 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 39 ANKER STREET LIMITED→ 15391505 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 3L DEVELOPMENTS LTD→ 10090122 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
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 | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 23/12/2020 | — |