C.E.W. SAUNDERS (ODIHAM) LIMITED
- · Oldest live charge 46.1y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 53). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
13 live charges · 2 lenders · oldest 46.1y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 46.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)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
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 | 2025-09-29 | 2024-09-29 |
|---|---|---|
| Total assets | £4.42M | £4.77M |
| Current assets | £867.8k | £995.6k |
| Cash | £405.8k | £301.6k |
| Debtors | £103.9k | £207.7k |
| Net assets | £4.37M | £4.71M |
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
- • 1 persons-with-significant-control
- • 1 officers
- • 13 mortgage
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Corporate timeline (60 events)Click to expand
- 2026-04-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-24📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-03-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-09🔓Charge satisfied #8
- 2026-02-09🔓Charge satisfied #7
- 2026-02-09🔓Charge satisfied #6
- 2026-02-09🔓Charge satisfied #5
- 2026-02-09🔓Charge satisfied #4
- 2026-02-09🔓Charge satisfied #3
- 2026-02-09🔓Charge satisfied #2
- 2026-02-09🔓Charge satisfied #1
- 2025-12-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-31🔓Charge satisfied #13
- 2025-12-31🔓Charge satisfied #12
- 2025-12-31🔓Charge satisfied #11
- 2025-12-31🔓Charge satisfied #10
- 2025-12-31🔓Charge satisfied #9
- 2025-02-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-30📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-05-30📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-05-30📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-16➕SAUNDERS, Alexandra Louise appointeddirector
- 2019-10-06🔒Charge registered #13Lender: Lloyds Bank PLC
- 2016-07-01🔒Charge registered #12Lender: Lloyds Bank PLC
- 2016-02-10🔒Charge registered #11Lender: Lloyds Bank PLC
- 2015-11-27🔒Charge registered #10Lender: Lloyds Bank PLC
- 2013-04-19🔒Charge registered #9Lender: Lloyds Tsb Bank PLC
- 2002-04-06➕SAUNDERS, Mary Kathleen appointedsecretary
- 2002-04-06➖SAUNDERS, Richard Robert Waldron resignedsecretary
- 2002-04-06➖SAUNDERS, Mary Kathleen resigneddirector
- 1999-02-17➕SAUNDERS, Richard Robert Waldron appointeddirector
- 1998-02-19➖SAUNDERS, Mary Kathleen resignedsecretary
- 1998-02-19➕SAUNDERS, Richard Robert Waldron appointedsecretary
- 1998-02-19➕SAUNDERS, Mary Kathleen appointeddirector
- 1998-01-30➖SAUNDERS, Robert Charles Waldron resigneddirector
- 1996-12-01🔒Charge registered #8Lender: Lloyds Bank PLC
- 1996-04-02➕SAUNDERS, Mary Kathleen appointedsecretary
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 "SAUNDERS" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 63 years old and no new directors in the last 3 years — succession not yet being planned internally.
- 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.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Alexandra Louise Saunders Individual · British · DOB 10/1974 · age 52 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/04/2021 |
Mr Richard Robert Waldron Saunders Individual · British · DOB 06/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/04/2021 |
1 historic (ceased) PSC
- Mr Richard Robert Waldron Saundersceased 21/04/2021· 75-100% shares
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 (3 active · 6 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 06/10/2019 | 31/12/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 01/07/2016 | 31/12/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 10/02/2016 | 31/12/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 27/11/2015 | 31/12/2025 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A registered charge | 1 property | 19/04/2013 | 31/12/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 01/12/1996 | 09/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 20/05/1980 | 09/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 20/05/1980 | 09/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 20/05/1980 | 09/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 20/05/1980 | 09/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 20/05/1980 | 09/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 20/05/1980 | 09/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 20/05/1980 | 09/02/2026 |