E.H.RADCLIFFE & SON LIMITED
- · Oldest live charge 5.2y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 5.2y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
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 | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Total assets | £2.72M | £2.80M |
| Current assets | £1.14M | £1.17M |
| Cash | £67.9k | £26.8k |
| Debtors | £78.5k | £42.1k |
| Net assets | £1.89M | £1.89M |
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 accounts
Corporate timeline (25 events)Click to expand
- 2026-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-01➕RADCLIFFE, Sarah Jane appointeddirector
- 2025-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-06📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2025-03-06📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2025-03-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-08📄termination-director-companyofficers · TM01
- 2021-10-24➖RADCLIFFE, Andrew Emlyn resigneddirector
- 2021-08-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-25🔒Charge registered #2Lender: Ntional Westminster Bank PLC
- 2021-05-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-18🔒Charge registered #1Lender: National Westminster Bank PLC
- 2020-08-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2012-01-01➖RADCLIFFE, Julian David resignedsecretary
- 1997-04-06➕RADCLIFFE, Julian David appointeddirector
- 1997-04-06➖RADCLIFFE, Varna resigneddirector
- 1961-12-20🏢Company incorporatedAs E.H.RADCLIFFE & SON LIMITED
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 "RADCLIFFE" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Julian David Radcliffe Individual · British · DOB 09/1962 · age 64 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mr Andrew Emlyn Radcliffeceased 24/10/2021· 50-75% shares · 50-75% voting · board control
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 · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ntional Westminster Bank Ntional Westminster Bank PLC | A registered charge | 1 property | 25/05/2021 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 18/05/2021 | — |