C. TOMS AND SON LIMITED
- · Oldest live charge 83.6y old — refinance window within 12 months
- 33150SIC 33150
- 50300SIC 50300
- 52101SIC 52101
Opportunity 74/100 (strong), bankability 75/100. 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 (50/100).
Refinance opportunity
16 live charges · 2 lenders · oldest 83.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 83.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £4.04M | £3.70M |
| Current assets | £2.32M | £1.80M |
| Cash | £527.2k | £250.9k |
| Debtors | £1.65M | £1.41M |
| Net assets | £3.24M | £2.87M |
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
- • 1 confirmation-statement
Corporate timeline (70 events)Click to expand
- 2025-10-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-03-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-03-03🔓Charge satisfied #15
- 2025-02-07➕TOMS, Rachel Victoria appointedsecretary
- 2025-02-07📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-02-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-04📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-01-31➖TOMS, Maureen resignedsecretary
- 2025-01-31➖TOMS, John Allen resigneddirector
- 2025-01-31➖TOMS, Maureen resigneddirector
- 2025-01-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-29🔒Charge registered #16Lender: Lloyds Bank PLC
- 2024-09-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-08-24➕TOMS, Rachel Victoria appointeddirector
- 2023-08-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-01-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-14➖TOMS, Karen Louise resigneddirector
- 2022-08-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-07-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-07-07📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2022-07-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-06-29➖TOMS, Hayley resigneddirector
- 2022-03-09📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-06🔓Charge satisfied #14
- 2021-10-06🔓Charge satisfied #12
- 2021-10-06🔓Charge satisfied #11
- 2021-07-22🔓Charge satisfied #13
- 2021-03-30🔒Charge registered #15Lender: Lloyds Bank PLC
- 2020-07-16➕TOMS, Maureen appointedsecretary
- 2020-07-15➖TOMS, Karen resignedsecretary
- 2019-05-24🔒Charge registered #14Lender: Lloyds Bank PLC
- 2019-04-01➕TOMS, Hayley appointeddirector
- 2018-05-03🔓Charge satisfied #8
- 2018-05-03🔓Charge satisfied #7
- 2018-05-03🔓Charge satisfied #6
- 2017-09-22🔒Charge registered #13Lender: Lloyds Bank PLC
- 2017-07-13🔓Charge satisfied #9
- 2017-06-14🔒Charge registered #12Lender: Lloyds Bank PLC
- 2017-05-31🔒Charge registered #11Lender: Lloyds Bank PLC
- 2017-05-11🔒Charge registered #10Lender: Lloyds Bank PLC
- 2014-05-14➕TOMS, Karen Louise appointeddirector
- 2012-12-04➕TOMS, Karen appointedsecretary
- 2012-12-04➖TOMS, Maureen resignedsecretary
- 2008-03-19🔓Charge satisfied #5
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "TOMS" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
C. Toms & Son (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
C. Toms & Son (Holdings) Limited Corporate entity | 75–100% | — | 75-100% shares | 22/04/2021 |
1 historic (ceased) PSC
- Mr John Allen Tomsceased 22/04/2021· 50-75% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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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 (3 active · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 29/01/2025 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 30/03/2021 | 03/03/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 24/05/2019 | 06/10/2021 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 22/09/2017 | 22/07/2021 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 14/06/2017 | 06/10/2021 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 31/05/2017 | 06/10/2021 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 11/05/2017 | — | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 11/03/2008 | 13/07/2017 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 11/03/2008 | 03/05/2018 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 11/03/2008 | 03/05/2018 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 11/03/2008 | 03/05/2018 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 19/02/2008 | 19/03/2008 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 08/05/1976 | 19/03/2008 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 10/06/1975 | 19/03/2008 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 29/07/1968 | 19/03/2008 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Equitable charge | 1 property | 07/12/1942 | 19/03/2008 |