AG PROPERTIES CORNWALL LTD
Opportunity 66/100 (strong), bankability 52/100. 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. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
7 live charges · 5 lenders · oldest 3.6y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~3.6 years — mid-life; refi window approaching.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Average employees | 200 | -200 |
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
- • 1 accounts
Corporate timeline (21 events)Click to expand
- 2026-04-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-16🔒Charge registered #7Lender: Vida Homeloans
- 2026-01-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-10-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-15🔒Charge registered #6Lender: Together Commercial Finance Limited
- 2025-10-15🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2025-01-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-20🔒Charge registered #4Lender: Fleet Mortgages Limited
- 2024-05-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-24🔒Charge registered #3Lender: Belmont Green Finance Limited T/a Vida Homeloans
- 2024-01-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-21🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2022-10-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-27🔒Charge registered #1Lender: Fleet Mortgages Limited
- 2022-04-27🏢Company incorporatedAs AG PROPERTIES CORNWALL LTD
- 2022-04-27➕ATKINS-GAMMONS, Douglas Matthew appointeddirector
- 2022-04-27➕ATKINS-GAMMONS, Emma Kimberley appointeddirector
- 2022-04-27📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +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.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-04-16: A registered charge; 2025-10-15: A registered charge; 2025-10-15: A registered charge
Heavily 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 Douglas Matthew Atkins-Gammons Individual · British · DOB 07/1988 · age 38 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 27/04/2022 |
Mrs Emma Kimberley Atkins-Gammons Individual · British · DOB 07/1988 · age 38 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 27/04/2022 |
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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|---|---|---|---|---|---|---|---|
| ALEXA HOMES SOUTH WEST LIMITED→ 11858097 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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| ALVERTON COURT DEVELOPMENTS LIMITED→ 04680023 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| AMM CORNWALL LIMITED→ 16668212 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMPLESTORE LIMITED→ 04101636 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ANCESTRAL INVESTMENTS LIMITED→ 16328344 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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| ANGARRACK MANAGEMENT LIMITED→ 04572266 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ANGBRIA LIMITED→ 08445762 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
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| ANNA MARSTON LETTINGS LTD→ 09341335 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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 →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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Vida Homeloans | A registered charge | 1 property | 16/04/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 15/10/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 15/10/2025 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 20/11/2024 | — | |
| outstanding | Belmont Green Finance T/a Vida Homeloans Belmont Green Finance Limited T/a Vida Homeloans | A registered charge | 1 property | 24/05/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 21/12/2022 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 27/10/2022 | — |