BERWICK-UPON-TWEED GARDEN CENTRE LIMITED
🌳Matureactive
SC079988 · ltd · incorporated 1982-09-08
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£6.68M
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other retail sale in non-specialised stores
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 78-year-old founder — textbook succession opportunity.
Opportunity 74/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 78). 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 (65/100).
🏦
Refinance opportunity
11 live charges · 5 lenders · oldest 42.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 42.7 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
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
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
10 officers (4 active, 10 linked, 7 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
136 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £6,683,621
Cash YoY
+47%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£892k
↑ 47% YoY
Net Worth
£6.7m
↑ 7.3% YoY
Current Assets
£3.2m
↑ 14% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £6.85M | £7.53M |
| Current assets | £3.15M | £2.78M |
| Cash | £892.3k | £605.3k |
| Debtors | £238.1k | £197.5k |
| Net assets | £6.68M | £6.23M |
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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
- 2025-07-15📄accounts-with-accounts-type-mediumaccounts · AA
- 2024-07-11📄accounts-with-accounts-type-fullaccounts · AA
- 2023-08-11📄accounts-with-accounts-type-fullaccounts · AA
- 2022-08-29📄accounts-with-accounts-type-fullaccounts · AA
- 2022-07-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-06-29➖HOURIGAN, Phillip resigneddirector
- 2022-01-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-09-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-08-26📄accounts-with-accounts-type-fullaccounts · AA
- 2021-03-25➖DONAGHEY, Nicholas Anthony Frances O'Brien resigneddirector
- 2021-03-25➕HOURIGAN, Phillip appointeddirector
- 2021-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-07🔓Charge satisfied #8
- 2021-01-07🔓Charge satisfied #5
- 2021-01-07🔓Charge satisfied #2
- 2020-08-25📄accounts-with-accounts-type-fullaccounts · AA
- 2020-01-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-06📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2020-01-06🔒Charge registered #12Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2019-12-24🔒Charge registered #11Lender: Clydesdale Bank PLC (Trading as Clydesdale Bank and Yorkshire Bank)
- 2019-12-24🔒Charge registered #10Lender: Clydesdale Bank PLC (Trading as Clydesdale Bank and Yorkshire Bank)
- 2019-12-24🔒Charge registered #9Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2019-08-19📄accounts-with-accounts-type-fullaccounts · AA
- 2017-07-21🔓Charge satisfied #4
- 2017-05-14➕CRABBIE, Kristina Susan appointeddirector
- 2017-05-14➕KHERIAN, Fiona Charlotte appointeddirector
- 2016-11-11➕DONAGHEY, Nicholas Anthony Frances O'Brien appointeddirector
- 2016-11-11🔒Charge registered #8Lender: The Royal Bank of Scotland PLC
- 2012-11-05🔒Charge registered #7Lender: The Royal Bank of Scotland PLC
- 2011-06-10🔒Charge registered #6Lender: Hallhill Developments Limited
- 1997-03-21🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 1992-12-14➕CRABBIE, Gunhild Ingeborg Charlotte Timmesdotter appointedsecretary
- 1992-12-14➖READMAN, Margaret Elizabeth Jane resignedsecretary
- 1992-12-14➖READMAN, Guy resigneddirector
- 1991-12-02🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 1991-05-01🔓Charge satisfied #1
- 1989-06-14➖POTTER, Christopher resignedsecretary
- 1989-06-14➕READMAN, Margaret Elizabeth Jane appointedsecretary
- 1989-06-14➖POTTER, Christopher resigneddirector
- 1989-04-10➕READMAN, Guy appointeddirector
- 1989-03-07🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1983-08-23🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1982-09-08🏢Company incorporatedAs BERWICK-UPON-TWEED GARDEN CENTRE LIMITED
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 78 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
70/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
- secondaryStable-but-static management: Company is 44 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Nicholas George Crabbie Individual · British · DOB 05/1948 · age 78 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 · Retail · TD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A NOTE FROM NORTHUMBERLAND LTD→ 15143854 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACTION ALLEY LTD→ 08846230 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| AGRIPARTS (BORDERS) LIMITED→ 03068280 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| ALAA LIMITED→ 15461544 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ARTOLUSO LTD→ 14398098 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BARON DE MUSCHAMP LTD→ 14373270 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BBS (SCOTLAND) LTD→ SC669436 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BEATSHIELD LTD→ 15754917 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BERWICK FINE WINES LTD→ 14542466 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BERWICK SOUVENIRS LIMITED→ 17074440 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BH FIXINGS ONLINE LTD→ SC855354 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BORDER BUTCHERY LIMITED→ SC560850 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated1982-09-08
Jurisdictionscotland
Primary SIC47190 — Other retail sale in non-specialised stores
Registered office
Westerside Farm
Coldingham
Eyemouth
Berwickshire
TD14 5QE
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2027-01-12
Last: 2025-12-29
Officers (4 active · 6 resigned)
CRABBIE, Gunhild Ingeborg Charlotte Timmesdotter→
Activesecretary · appointed 1992-12-14
View their other companies + combined net worth →
CRABBIE, Kristina Susan→
Activedirector · ~45y · appointed 2017-05-14
View their other companies + combined net worth →
Active
KHERIAN, Fiona Charlotte→
Activedirector · ~42y · appointed 2017-05-14
View their other companies + combined net worth →
POTTER, Christopher→
Resignedsecretary · resigned 1989-06-14
READMAN, Margaret Elizabeth Jane→
Resignedsecretary · appointed 1989-06-14 · resigned 1992-12-14
DONAGHEY, Nicholas Anthony Frances O'Brien→
Resigneddirector · ~54y · appointed 2016-11-11 · resigned 2021-03-25
HOURIGAN, Phillip→
Resigneddirector · ~56y · appointed 2021-03-25 · resigned 2022-06-29
POTTER, Christopher→
Resigneddirector · ~79y · resigned 1989-06-14
READMAN, Guy→
Resigneddirector · ~87y · appointed 1989-04-10 · resigned 1992-12-14
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
6
Outstanding
3
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | 1 property | 06/01/2020 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Clydesdale Bank and Yorkshire Bank) | A registered charge | 1 property | 24/12/2019 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Clydesdale Bank and Yorkshire Bank) | A registered charge | 1 property | 24/12/2019 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | — | 24/12/2019 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 11/11/2016 | 07/01/2021 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 05/11/2012 | — | |
| outstanding | Hallhill Developments Hallhill Developments Limited | Standard security | 1 property | 10/06/2011 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 21/03/1997 | 07/01/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 02/12/1991 | 21/07/2017 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 07/03/1989 | 07/01/2021 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 23/08/1983 | 01/05/1991 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (136 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-12
accounts-with-accounts-type-medium
accounts · AA
2025-07-15
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-07
accounts-with-accounts-type-full
accounts · AA
2024-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-03
accounts-with-accounts-type-full
accounts · AA
2023-08-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-04
accounts-with-accounts-type-full
accounts · AA
2022-08-29
termination-director-company-with-name-termination-date
officers · TM01
2022-07-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-12
appoint-person-director-company-with-name-date
officers · AP01
2022-01-12
termination-director-company-with-name-termination-date
officers · TM01
2021-09-08
accounts-with-accounts-type-full
accounts · AA
2021-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2021-01-07