TODD CHART AGENCY LIMITED

🌳Matureactive
NI024702 · ltd · incorporated 1990-08-03
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 24.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 47610
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (63/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 24.6y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 24.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
91 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Average employees81000

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-01-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2023-01-05
    ➕
    ESLER, Paul Gerard appointed
    director
  6. 2023-01-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-12-01
    📄
    capital-allotment-shares
    capital · SH01
  8. 2022-12-01
    📄
    capital-allotment-shares
    capital · SH01
  9. 2022-11-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2022-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-10-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-11-21
    📄
    resolution
    resolution · RESOLUTIONS
  15. 2018-11-13
    📄
    capital-allotment-shares
    capital · SH01
  16. 2018-09-18
    📄
    capital-allotment-shares
    capital · SH01
  17. 2018-01-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2002-04-05
    🔒
    Charge registered #3
    Lender: Northern Bank
  19. 2001-10-12
    🔒
    Charge registered #2
    Lender: Northern Bank LTD
  20. 2001-10-12
    🔒
    Charge registered #1
    Lender: Northern Bank LTD
  21. 1990-08-03
    🏢
    Company incorporated
    As TODD CHART AGENCY LIMITED
  22. 1990-08-03
    ➕
    TODD, William Forbes appointed
    secretary
  23. 1990-08-03
    ➕
    TODD, Gillian Anne appointed
    director
  24. 1990-08-03
    ➕
    TODD, William Forbes appointed
    director

Owner dependency

98/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Founder name in company name: Company name contains director surname "TODD" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 36 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 36 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 36 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr William Forbes Todd
Individual · British · DOB 04/1956 · age 70
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence31/07/2016
Mrs Gillian Anne Todd
Individual · British · DOB 09/1959 · age 67
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence31/07/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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————1y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated1990-08-03
Jurisdictionnorthern-ireland
Primary SIC47610 — SIC 47610

Registered office

85 High Street
Bangor
BT20 5BD
Northern Ireland

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-08-14
Last: 2025-07-31

Officers (4 active · 0 resigned)

TODD, William Forbes→
secretary · appointed 1990-08-03
View their other companies + combined net worth →
Active
ESLER, Paul Gerard→
director · ~42y · appointed 2023-01-05
View their other companies + combined net worth →
Active
TODD, Gillian Anne→
director · ~67y · appointed 1990-08-03
View their other companies + combined net worth →
Active
TODD, William Forbes→
director · ~70y · appointed 1990-08-03
View their other companies + combined net worth →
Active

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
TypeProperties
outstanding
Northern Bank / Donegall Square West
Mortgage or charge1 property05/04/2002—
outstanding
Northern Bank
Northern Bank LTD
Mortgage or charge1 property12/10/2001—
outstanding
Northern Bank
Northern Bank LTD
Mortgage or charge1 property12/10/2001—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (91 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-03
appoint-person-director-company-with-name-date
officers · AP01
2023-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-05
capital-allotment-shares
capital · SH01
2022-12-01
capital-allotment-shares
capital · SH01
2022-12-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-20