AGRICULTURAL COMMODITY EXCHANGE LTD

🌳Matureactive
SC465204 · ltd · incorporated 2013-12-04
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 12.3y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£238.4k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Non-specialised wholesale trade
Sector: Wholesale & retail
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 80/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 12.3y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 12.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £238,406
Net assets shrinking
Down £71,736 YoY
Cash YoY
+338%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£232
↑ 338% YoY
Net Worth
£238k
↓ 23% YoY
Current Assets
—
Current Liabilities
—
£0£199k£399k£598k£797k£996kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-312024-05-31
Total assets—£310.1k
Current assets—£996.4k
Cash£232£53
Debtors£1.23M£939.4k
Net assets£238.4k£310.1k

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
2
filings
  • • 2 officers
Last 180 days
3
filings
  • • 2 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-03-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2026-03-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2026-03-01
    ➕
    SEED, Angus Archibald appointed
    director
  4. 2026-03-01
    ➕
    SEED, Gillian appointed
    director
  5. 2026-02-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2025-02-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-09-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2024-08-23
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111)
  9. 2024-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-02-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-03-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-04-18
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  16. 2018-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-01-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2016-02-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2014-02-18
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  20. 2013-12-04
    🏢
    Company incorporated
    As AGRICULTURAL COMMODITY EXCHANGE LTD
  21. 2013-12-04
    ➕
    SEED, David Archibald appointed
    director
  22. 2013-12-04
    ➕
    SEED, Sandra Jane appointed
    director

Owner dependency

63/100
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.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

23/100
No succession signal

No meaningful acquirability indicators from public data.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — SEED, Angus Archibald (same surname) appointed 2026-03-01. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 12 years.
  • 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 David Archibald Seed
Individual · British · DOB 12/1961 · age 65
25–50%
—25-50% shares06/04/2016
Mrs Sandra Jane Seed
Individual · British · DOB 10/1961 · age 65
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

Active · Wholesale & distribution · TD postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
BRANDWELL GB TRADING LIMITED→
11678396 · est 2018
£120.4k
£90.3k–£150.5k
——2007y8159y
BORDER LIVESTOCK EXCHANGE LIMITED→
SC158324 · est 1995
——£8—31y8364y
CEREAL FOODS LIMITED→
03921464 · est 2000 · no financials extracted
————26y8277y
G. MARSHALL (TRACTORS) LIMITED→
SC242541 · est 2003
———2223y8274y
JOHN MANNERS LIMITED→
05460464 · est 2005
———300021y8283y
REIVER COUNTRY FARM FOODS LTD.→
SC200159 · est 1999
——£343.1k—26y8266y
SIMON RICHARD LIMITED→
SC179900 · est 1997
——£1.31M—28y8270y
KIBOSH LTD.→
SC370181 · est 2009
——£271.8k—16y8164y
B. MASON (TRACTORS) LIMITED→
04744596 · est 2003
——£764.8k—23y8069y
DIAGNOSTIC 2000 LTD→
04788117 · est 2003
———222y8065y
DREM TIMBER & FENCING LIMITED→
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——£115.8k—20y8070y
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———125y8070y
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated2013-12-04
Jurisdictionscotland
Primary SIC46900 — Non-specialised wholesale trade

Registered office

Cothill
Duns
Berwickshire
TD10 6YW

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04

Officers (4 active · 0 resigned)

SEED, Angus Archibald→
director · ~38y · appointed 2026-03-01
View their other companies + combined net worth →
Active
SEED, David Archibald→
director · ~65y · appointed 2013-12-04
View their other companies + combined net worth →
Active
SEED, Gillian→
director · ~39y · appointed 2026-03-01
View their other companies + combined net worth →
Active
SEED, Sandra Jane→
director · ~65y · appointed 2013-12-04
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111)
A registered charge—23/08/2024—
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property18/02/2014—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (31 total)

appoint-person-director-company-with-name-date
officers · AP01
2026-03-11
appoint-person-director-company-with-name-date
officers · AP01
2026-03-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-13
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-25
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-10
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-07