GARDEN CITY ENTERPRISES LTD
- · Oldest live charge 5.9y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 5.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | -400 | -400 |
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
Corporate timeline (13 events)Click to expand
- 2025-04-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-06-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-06-02🔒Charge registered #1Lender: Bank of Scotland PLC
- 2019-09-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-11🏢Company incorporatedAs GARDEN CITY ENTERPRISES LTD
- 2017-12-11➕CAMERON, Allyson appointeddirector
- 2017-12-11➕CAMERON, Kenneth appointeddirector
- 2017-12-11📄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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Allyson Cameron Individual · British · DOB 06/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 11/12/2017 |
Mr Kenneth Cameron Individual · British · DOB 01/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 11/12/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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6 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 | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 02/06/2020 | — |