WEST AND NORTH YORKSHIRE CHAMBER OF COMMERCE AND INDUSTRY
Opportunity 75/100 (strong), bankability 52/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
Refinance opportunity
6 live charges · 4 lenders · oldest 20.0y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 20.0 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 48/100 (high).
Data confidence
Overall: low (52/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 confirmation-statement
- • 3 officers
- • 1 confirmation-statement
Corporate timeline (194 events)Click to expand
- 2026-04-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-27➖BERESFORD, Amanda resigneddirector
- 2026-03-25📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2026-03-11📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-24➕LEWIS, Katrina Helen appointeddirector
- 2025-11-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-22📄accounts-with-accounts-type-groupaccounts · AA
- 2025-09-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-26➕GORDON, Alastair Iain appointeddirector
- 2025-09-02➖CZARNECKI, Sarah resigneddirector
- 2025-09-02➖KARIM, Nasreen Akhtar resigneddirector
- 2025-09-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-18➕WILSON, Scott Alan Grant appointeddirector
- 2025-03-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-28➖HOPE, Kerry resigneddirector
- 2025-02-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-31➖BRIFFETT, Michael James resigneddirector
- 2024-12-09📄accounts-with-accounts-type-groupaccounts · AA
- 2024-03-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-22➖MURRAY, Daniel resigneddirector
- 2024-02-20📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-11-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-10-31➖BEARDMORE, Laurence John resigneddirector
- 2023-10-10📄memorandum-articlesincorporation · MA
- 2023-10-10📄resolutionresolution · RESOLUTIONS
- 2023-10-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-10-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-21➕CHOUDHRY, Aqila appointeddirector
- 2023-09-21➕FITZGERALD, Rebecca appointeddirector
- 2023-09-21➕JENKINS, Scott appointeddirector
- 2023-09-21➕HOPE, Kerry appointeddirector
- 2023-04-17➕CZARNECKI, Sarah appointeddirector
- 2023-02-15➖DIGWOOD, Andrew James resigneddirector
- 2022-09-30➖GARTHWAITE, Nicholas James resigneddirector
- 2022-05-03➕MASON, James Matthew appointeddirector
- 2022-04-29➖NEEDHAM, Sandra resigneddirector
- 2022-03-01➕MURRAY, Daniel appointeddirector
- 2021-09-09➕BLACK, Christopher John appointeddirector
- 2021-09-09➕COWGILL, Mark Graham appointeddirector
- 2021-09-09➖DILLON, Paula Marie resigneddirector
- 2021-09-09➖JENNINGS, Gerald Robert resigneddirector
- 2021-09-09➖MEYNELL, Bridget Lee resigneddirector
- 2020-09-25➕KARIM, Nasreen Akhtar appointeddirector
- 2020-09-09➖CATON, Andrew Mark resigneddirector
- 2020-06-30➖COOPER, Graham Philip resigneddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -10 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 17 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BERESFORD, Amanda resigned 2026-03-27; CZARNECKI, Sarah resigned 2025-09-02; KARIM, Nasreen Akhtar resigned 2025-09-02
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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 (11 active · 123 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 28/03/2014 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 31/01/2008 | — | |
| satisfied | Virgin Money Clydesdale Bank PLC | Legal mortgage | 1 property | 12/01/2007 | 20/02/2014 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 29/12/2006 | — | |
| outstanding | City of Bradford Metropolitan District Council | Legal charge | 1 property | 30/06/2006 | — | |
| outstanding | City of Bradford Metropolitan District Council / City of Bradford Metropolitan District Council | Legal charge | 1 property | 30/06/2006 | — |