JOHN H. COCKS & SONS (FARMERS) LIMITED
- · Oldest live charge 45.1y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 92). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · oldest 45.1y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 45.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — 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 | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £183.5k | £178.4k |
| Current assets | £171.8k | £174.0k |
| Net assets | £180.7k | £175.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (18 events)Click to expand
- 2026-01-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-08-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-09-15📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-09-21📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-12-18📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-09-06📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-02-17📄accounts-amended-with-made-up-dateaccounts · AAMD
- 1992-07-22🔒Charge registered #2Lender: Lloyds Bank PLC
- 1981-06-09🔒Charge registered #1Lender: Lloyds Bank PLC
- 1965-12-30🏢Company incorporatedAs JOHN H. COCKS & SONS (FARMERS) 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 "COCKS" — strong identity link between founder and business.
- +Founder age: Director aged approximately 92 — succession pressure is live.
- +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 70+: Senior director is approximately 92 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 61 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Philip Roger Cocks Individual · British · DOB 08/1944 · age 82 | 50–75% | — | 50-75% shares | 06/04/2016 |
Mr Charles Roy Cocks Individual · British · DOB 08/1934 · age 92 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| JM TREE DOCTORS LTD→ 16647344 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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 (3 active · 0 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 | Mortgage | 1 property | 22/07/1992 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 09/06/1981 | — |