C.H.BENNION & SONS LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 77/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
4 live charges · 3 lenders · oldest 48.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 48.8 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (70/100)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 | 2025-09-30 |
|---|---|
| Total assets | £42.6k |
| Current assets | £118.2k |
| Cash | £113 |
| Debtors | £65.4k |
| Net assets | £36.3k |
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 accounts
Corporate timeline (35 events)Click to expand
- 2026-02-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-09📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-07📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2020-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-04-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-04-24📄change-person-director-company-with-change-dateofficers · CH01
- 2020-04-24📄change-person-director-company-with-change-dateofficers · CH01
- 2020-04-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2019-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2014-01-07➕BENNION, Charlotte Elizabeth Scott appointeddirector
- 2013-03-31➖BENNION, Rosamund Jean resignedsecretary
- 2013-03-31➖BENNION, Charles Stuart Herbert resigneddirector
- 2013-03-31➖BENNION, Rosamund Jean resigneddirector
- 2013-03-31➖BENNION, William James resigneddirector
- 2003-03-07➕BENNION, Justin Charles appointeddirector
- 2003-03-07➕BENNION, William James appointeddirector
- 1998-04-17🔓Charge satisfied #4
- 1995-10-12➖BENNION, Hilda Mary resignedsecretary
- 1995-10-12➕BENNION, Rosamund Jean appointedsecretary
- 1995-10-12➖BENNION, Hilda Mary resigneddirector
- 1995-10-12➖BENNION, John William resigneddirector
- 1995-10-12➕BENNION, Rosamund Jean appointeddirector
- 1995-09-29🔒Charge registered #4Lender: Lloyds Bank PLC
- 1989-10-30🔒Charge registered #3Lender: Lloyds Bank PLC
- 1977-09-07🔒Charge registered #2Lender: The Agricultural Mortgage Corporation Limited
- 1977-08-01🔒Charge registered #1Lender: Lloyds Bank LTD
- 1964-03-04🏢Company incorporatedAs C.H.BENNION & SONS 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 "BENNION" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 23 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 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 62 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Justin Charles Bennion Individual · British · DOB 03/1970 · age 56 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 06/04/2016 |
Mrs Charlotte Elizabeth Scott Bennion Individual · British · DOB 02/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/02/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (2 active · 7 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 | Mortgage | 1 property | 29/09/1995 | 17/04/1998 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Single debenture | 1 property | 30/10/1989 | — | |
| outstanding | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation Limited | Charge | 1 property | 07/09/1977 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank LTD | Mortgage | 1 property | 01/08/1977 | — |