AGF PROPERTIES LTD
🌿Early-stageactive
13929569 · ltd · incorporated 2022-02-21
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 Feb 2025
Net worth
£4.9k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68201Renting and operating of Housing Association real estate
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -99% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 3.9y
20/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.9 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 4 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 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
2 connected companies via shared directors
51
Filing history
16 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
71/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £4,947
Very low cash
Cash position: £24
Cash draining
Cash down 99% YoY
Cash YoY
-99%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£24
↓ 99% YoY
Net Worth
£5k
↑ 240% YoY
Current Assets
£285k
↑ 1.2% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £12.7k | £5.0k |
| Current assets | £285.1k | £281.7k |
| Cash | £24 | £1.8k |
| Net assets | £4.9k | £-3.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-01🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2025-09-01🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2024-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-19🔒Charge registered #1Lender: Paragon Bank PLC
- 2022-02-21🏢Company incorporatedAs AGF PROPERTIES LTD
- 2022-02-21➕ENGLAND, Oliver appointeddirector
- 2022-02-21➕SCHOFIELD, Joseph Oliver appointeddirector
- 2022-02-21📄incorporation-companyincorporation · NEWINC
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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Joseph Oliver Schofield Individual · British · DOB 03/1987 · age 39 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 21/02/2022 |
Mr Oliver England Individual · British · DOB 11/1994 · age 32 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 21/02/2022 |
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 · S postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A H PROPERTIES IDEAL LTD→ 12123355 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A H S DEVELOPMENTS LIMITED→ 16898026 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A.I PROPERTIES (YORKSHIRE) LTD→ 17031999 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| A.I.A.M INVESTMENTS LIMITED→ 16687496 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADILS PROPERTIES LIMITED→ 11359132 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AFA LETTINGS LIMITED→ 04489493 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| AFFEWE PROPERTIES LTD→ 16718668 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AFW PROPERTY LIMITED→ 15598544 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AG REAL ESTATE & HOLDING LIMITED→ 16221321 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AGIO PROPERTIES LTD→ 08538907 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AGL RESIDENTIAL LTD→ 16604903 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGN VENTURES LTD→ 15885594 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2022-02-21
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Deb House 19 Middlewoods Way
Wharncliffe Business Park, Carlton
Barnsley, South Yorkshire
S71 3HR
England
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-03-06
Last: 2026-02-20
Officers (2 active · 0 resigned)
ENGLAND, Oliver→
Activedirector · ~32y · appointed 2022-02-21
View their other companies + combined net worth →
SCHOFIELD, Joseph Oliver→
Activedirector · ~39y · appointed 2022-02-21
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 01/09/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 01/09/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 19/08/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (16 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-08
change-person-director-company-with-change-date
officers · CH01
2024-05-21
change-person-director-company-with-change-date
officers · CH01
2024-05-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-22