DEVON, EXETER AND PLYMOUTH CHAMBER OF COMMERCE
- · Oldest live charge 25.7y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 25.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 25.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (76/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 |
|---|---|
| Cash | £141.5k |
| Net assets | £177.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
Corporate timeline (216 events)Click to expand
- 2025-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-01➖PEARSON, Emily Jane resigneddirector
- 2025-07-30➕HOSKIN, Helen appointedsecretary
- 2025-07-30📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-07-30📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-07-01➖ELFORD, Stuart Michael Paul resignedsecretary
- 2024-12-09📄memorandum-articlesincorporation · MA
- 2024-12-05✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-12-05✏️change-of-name-exemptionchange-of-name · NE01
- 2024-11-15✏️change-of-name-exemptionchange-of-name · NE01
- 2024-11-15✏️change-of-name-request-commentschange-of-name · NM06
- 2024-11-15✏️change-of-name-noticechange-of-name · CONNOT
- 2024-09-21📄resolutionresolution · RESOLUTIONS
- 2024-09-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-13➕GATES, Stephen John appointeddirector
- 2024-09-13➕GILL, Misty-Jane appointeddirector
- 2024-09-13➕GRABHAM, Amanda Jane appointeddirector
- 2024-09-13➕KNIGHT, Peter Alan appointeddirector
- 2024-09-13➕NERO, Paul appointeddirector
- 2024-09-13➖GREENACRE, James Christopher resigneddirector
- 2024-09-13➖LAVIS, Thomas resigneddirector
- 2024-09-13➖MOORE, Thomas William resigneddirector
- 2024-09-12➖JACKMAN, Oliver George resigneddirector
- 2024-09-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-02➖HANDS, Pauline Elizabeth resigneddirector
- 2024-05-23➖ADAMS, Richard Duncan Robert resigneddirector
- 2024-04-30➖BECKER, Carola resigneddirector
- 2023-07-25➖JAMES, Paul Robert resigneddirector
- 2023-02-28➖CEASAR, Melanie Louise resignedsecretary
- 2023-02-28➕ELFORD, Stuart Michael Paul appointedsecretary
- 2022-10-31➖MIDDLETON-JONES, Linda resigneddirector
- 2022-07-14➕BUTERA, Jabo appointeddirector
- 2022-07-14➖BEAUMONT, Emily Frances, Dr. resigneddirector
- 2022-07-14➕BECKER, Carola appointeddirector
- 2022-07-14➕JACKMAN, Oliver George appointeddirector
- 2022-07-14➖JONES, Timothy resigneddirector
- 2022-07-14➕LAVIS, Thomas appointeddirector
- 2022-07-14➕PEARSON, Emily Jane appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -9 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- 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
2 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: ELFORD, Stuart Michael Paul resigned 2025-07-01; PEARSON, Emily Jane resigned 2025-10-01
Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-12-05: certificate-change-of-name-company; 2024-12-05: change-of-name-exemption
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 (10 active · 131 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 20/10/2000 | 26/06/2018 |