123 GARDEN LTD
🌿Early-stageactive
13623069 · ltd · incorporated 2021-09-15
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-660.5k
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Residents property management
Sector: Activities of households
Investor take
Pass (distressed without resilience)Distressed asset-holding vehicle — structural issues outweigh the discount.
Opportunity 69/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
14 live charges · oldest 4.6y
35/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.6 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
14 charges (14/14 with lender, 14/14 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
50 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
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £660,451
Cash YoY
-22%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£2k
↓ 22% YoY
Net Worth
-£660k
↓ 71% YoY
Current Assets
£2.7m
↑ 18% YoY
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 |
|---|---|---|
| Total assets | £-660.5k | £643.2k |
| Current assets | £2.75M | £2.33M |
| Cash | £2.1k | £2.7k |
| Debtors | £615.2k | £620.1k |
| Net assets | £-660.5k | £-385.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 address
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
- 2026-01-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 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
- 2025-08-11🔒Charge registered #14Lender: Gfs 1 LTD
- 2025-08-11🔒Charge registered #13Lender: Gfs 1 LTD
- 2025-05-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-26🔓Charge satisfied #10
- 2025-05-26🔓Charge satisfied #9
- 2024-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-23🔒Charge registered #12Lender: Gfs 1 LTD
- 2024-04-23🔒Charge registered #11Lender: Gfs 1 LTD
- 2024-04-08📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2023-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24🔓Charge satisfied #8
- 2023-05-24🔓Charge satisfied #7
- 2023-05-24🔓Charge satisfied #6
- 2023-05-24🔓Charge satisfied #5
- 2023-05-24🔓Charge satisfied #4
- 2023-05-24🔓Charge satisfied #3
- 2023-05-24🔓Charge satisfied #2
- 2023-05-24🔓Charge satisfied #1
- 2023-04-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-31🔒Charge registered #10Lender: Gfs 1 LTD
- 2023-03-31🔒Charge registered #9Lender: Gfs 1 LTD
- 2023-03-12➕WIGG, Stuart John appointeddirector
- 2022-07-29🔒Charge registered #8Lender: Gfs 1 LTD
- 2022-07-29🔒Charge registered #7Lender: Gfs 1 LTD
- 2022-07-11🔒Charge registered #6Lender: Gfs 1 LTD
- 2022-07-11🔒Charge registered #5Lender: Gfs 1 LTD
- 2022-06-10🔒Charge registered #4Lender: Gfs 1 LTD
- 2022-06-10🔒Charge registered #3Lender: Gfs 1 LTD
- 2021-10-21🔒Charge registered #2Lender: Gfs 1 LTD
- 2021-10-21🔒Charge registered #1Lender: Gfs 1 LTD
- 2021-09-15🏢Company incorporatedAs 123 GARDEN LTD
- 2021-09-15➕MCCARTHY, Shane Joseph appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Mcwigg Ltd holds majority control (50-75%). Likely parent but not wholly-owned.
🏛️majority
Mcwigg Ltd
Corporate parent · holds 50-75% shares · board control
⬇
123 GARDEN LTD
This company · 13623069
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mcwigg Ltd Corporate entity | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 31/05/2022 |
Mr Shane Joseph Mccarthy Individual · British · DOB 01/1982 · age 44 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/03/2023 |
3 historic (ceased) PSCs
- Mr John Simon Maccarthyceased 28/03/2023· 25-50% shares · 25-50% voting
- Mr Stuart John Wiggceased 31/05/2022· 25-50% shares · 25-50% voting
- Mr Shane Joseph Mccarthyceased 31/05/2022· 25-50% shares · 25-50% voting
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 · Holding company · HP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 101 ST. GEORGES DRIVE MANAGEMENT COMPANY LIMITED→ 03158004 · est 1996 · no financials extracted | — | — | — | — | 30y | — | — |
| 11 HILL AVENUE MANAGEMENT COMPANY LIMITED→ 17126045 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 12 BUCKINGHAM STREET AND 31-33 KINGSBURY RMC LTD→ 16702530 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 129 LONDON ROAD LIMITED→ 05141085 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| 13/15 PRIORY ROAD MANAGEMENT LIMITED→ 16083149 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 132 MANDEVILLE ROAD RTM COMPANY LIMITED→ 09392116 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| 139 SUTHERLAND AVENUE LIMITED→ 02473828 · est 1990 · no financials extracted | — | — | — | — | 36y | — | — |
| 146 INDERWICK ROAD LIMITED→ 06517731 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| 15 GORDON AVENUE LIMITED→ 06975958 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| 155 HOLLAND PARK AVENUE (FREEHOLD) LIMITED→ 14149714 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 16 FONTENOY ROAD LIMITED→ 05635644 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| 16 WANDSWORTH COMMON NORTHSIDE LIMITED→ 05921497 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2021-09-15
Jurisdictionengland-wales
Primary SIC98000 — Residents property management
Registered office
21 Gilbert Way
Berkhamsted
Hertfordshire
HP4 3JF
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-28
Last: 2025-09-14
Officers (2 active · 0 resigned)
MCCARTHY, Shane Joseph→
Activedirector · ~44y · appointed 2021-09-15
View their other companies + combined net worth →
WIGG, Stuart John→
Activedirector · ~53y · appointed 2023-03-12
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
14
Total charges
4
Outstanding
1
Active lenders
Status:Lender:14 of 14 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Gfs 1 Gfs 1 LTD | A registered charge | — | 11/08/2025 | — | |
| outstanding | Gfs 1 Gfs 1 LTD | A registered charge | 1 property | 11/08/2025 | — | |
| outstanding | Gfs 1 Gfs 1 LTD | A registered charge | — | 23/04/2024 | — | |
| outstanding | Gfs 1 Gfs 1 LTD | A registered charge | 1 property | 23/04/2024 | — | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | — | 31/03/2023 | 26/05/2025 | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | 2 properties | 31/03/2023 | 26/05/2025 | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | 1 property | 29/07/2022 | 24/05/2023 | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | — | 29/07/2022 | 24/05/2023 | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | 1 property | 11/07/2022 | 24/05/2023 | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | — | 11/07/2022 | 24/05/2023 | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | — | 10/06/2022 | 24/05/2023 | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | 1 property | 10/06/2022 | 24/05/2023 | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | — | 21/10/2021 | 24/05/2023 | |
| satisfied | Gfs 1 Gfs 1 LTD | A registered charge | 1 property | 21/10/2021 | 24/05/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (50 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-14
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-26
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-29
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-21