CREATIVE GARDENS (NI) LIMITED

📈Growthactive
NI043559 · ltd · incorporated 2002-06-26
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
£13.07M
year to Jun 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: SIC 47760
Sector: Wholesale & retail
Investor take
Pursue
Leverage-led grower with a 77-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 77). Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (78/100).

🏦

Refinance opportunity

8 live charges · 3 lenders · oldest 23.2y

45/100
clean up first

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

  • · Oldest live charge is 23.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.
  • · Profitable and stable/growing — lender coverage supportable.

Data confidence

Overall: medium (79/100)

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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
87 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
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Profitable
Profit before tax £969,351
Turnover YoY
+14%
Year on year

Key financials

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

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Turnover£13.07M£11.45M
Gross profit£3.13M£2.74M
Operating profit£1.08M£565.4k
Profit before tax£969.4k£472.3k
Average employees2090021100

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

🔒Filing-note intelligence

2 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
5
filings
  • • 3 capital
  • • 1 officers
  • • 1 accounts
Last 180 days
5
filings
  • • 3 capital
  • • 1 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-04-21
    📄
    capital-cancellation-shares
    capital · SH06
  2. 2026-04-21
    📄
    capital-return-purchase-own-shares
    capital · SH03
  3. 2026-04-02
    ➖
    GASS, Diana resigned
    director
  4. 2026-04-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2026-03-25
    📄
    accounts-with-accounts-type-full
    accounts · AA
  6. 2026-03-13
    📄
    capital-name-of-class-of-shares
    capital · SH08
  7. 2025-03-19
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2024-10-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2024-10-25
    🔒
    Charge registered #8
    Lender: Northern Bank Limited
  10. 2024-03-14
    📄
    accounts-with-accounts-type-full
    accounts · AA
  11. 2023-04-04
    📄
    accounts-with-accounts-type-full
    accounts · AA
  12. 2022-03-10
    📄
    accounts-with-accounts-type-full
    accounts · AA
  13. 2021-05-28
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2020-01-10
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2019-06-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2019-05-31
    🔒
    Charge registered #7
    Lender: Northern Bank Limited
  17. 2018-12-19
    📄
    accounts-with-accounts-type-full
    accounts · AA
  18. 2018-01-26
    📄
    accounts-with-accounts-type-full
    accounts · AA
  19. 2017-07-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  20. 2012-02-03
    ➕
    DUMIGAN, Jenny appointed
    director
  21. 2012-02-03
    ➕
    GASS, Oliver appointed
    director
  22. 2010-05-24
    ➖
    GIBSON, Richard resigned
    secretary
  23. 2009-09-14
    🔒
    Charge registered #6
    Lender: Northern Bank Limited
  24. 2009-09-14
    🔒
    Charge registered #5
    Lender: Northern Bank Limited
  25. 2009-05-22
    ➕
    GASS, Philip Nigel appointed
    director
  26. 2005-07-15
    ➖
    RICHARDSON, Thomas John resigned
    director
  27. 2005-07-01
    ➕
    RICHARDSON, Thomas John appointed
    director
  28. 2004-05-10
    🔒
    Charge registered #4
    Lender: Northern Bank LTD
  29. 2003-10-15
    🔒
    Charge registered #3
    Lender: Northern Bank LTD
  30. 2003-10-15
    🔒
    Charge registered #2
    Lender: Northern Bank LTD
  31. 2003-03-28
    🔒
    Charge registered #1
    Lender: Northern Bank
  32. 2002-06-26
    🏢
    Company incorporated
    As CREATIVE GARDENS (NI) LIMITED
  33. 2002-06-26
    ➕
    GASS, Nigel appointed
    director
  34. 2002-06-26
    ➕
    GIBSON, Richard appointed
    secretary
  35. 2002-06-26
    ➕
    GASS, Diana appointed
    director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 77 — 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 77 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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

1 low
8 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Ms Diana Gass
Individual · British · DOB 09/1954 · age 72
25–50%
—25-50% shares06/04/2016

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

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LAMONT STONE LIMITED→
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——11427y8464y
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——300028y8769y
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£80.5k
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£373.4k—30020y8562y
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
Incorporated2002-06-26
Jurisdictionnorthern-ireland
Primary SIC47760 — SIC 47760

Registered office

34 Stockbridge Road
Donaghadee
Co Down
BT21 0PN

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-07-10
Last: 2025-06-26

Officers (4 active · 3 resigned)

DUMIGAN, Jenny→
director · ~40y · appointed 2012-02-03
View their other companies + combined net worth →
Active
GASS, Nigel→
director · ~77y · appointed 2002-06-26
View their other companies + combined net worth →
Active
GASS, Oliver→
director · ~44y · appointed 2012-02-03
View their other companies + combined net worth →
Active
GASS, Philip Nigel→
director · ~47y · appointed 2009-05-22
View their other companies + combined net worth →
Active
GIBSON, Richard→
secretary · appointed 2002-06-26 · resigned 2010-05-24
Resigned
GASS, Diana→
director · ~72y · appointed 2002-06-26 · resigned 2026-04-02
Resigned
RICHARDSON, Thomas John→
director · appointed 2005-07-01 · resigned 2005-07-15
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

8
Total charges
8
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
Northern Bank
Northern Bank Limited
A registered charge2 properties25/10/2024—
outstanding
Northern Bank
Northern Bank Limited
A registered charge2 properties31/05/2019—
outstanding
Northern Bank
Northern Bank Limited
Mortgage or charge1 property14/09/2009—
outstanding
Northern Bank
Northern Bank Limited
Mortgage or charge1 property14/09/2009—
outstanding
Northern Bank
Northern Bank LTD
Mortgage or charge1 property10/05/2004—
outstanding
Northern Bank
Northern Bank LTD
Mortgage or charge1 property15/10/2003—
outstanding
Northern Bank
Northern Bank LTD
Mortgage or charge1 property15/10/2003—
outstanding
Northern Bank / Donegall Square West
Mortgage or charge1 property28/03/2003—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (87 total)

capital-cancellation-shares
capital · SH06
2026-04-21
capital-return-purchase-own-shares
capital · SH03
2026-04-21
termination-director-company-with-name-termination-date
officers · TM01
2026-04-02
accounts-with-accounts-type-full
accounts · AA
2026-03-25
capital-name-of-class-of-shares
capital · SH08
2026-03-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-07
accounts-with-accounts-type-full
accounts · AA
2025-03-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-27
accounts-with-accounts-type-full
accounts · AA
2024-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-07
accounts-with-accounts-type-full
accounts · AA
2023-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-07
accounts-with-accounts-type-full
accounts · AA
2022-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-08