HOME MADE BAKERY (ESSEX) LIMITED
🌳Matureactive
01030333 · ltd · incorporated 1971-11-09
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£1.66M
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Manufacture of bread; manufacture of fresh pastry goods and cakes
Sector: Manufacturing
Investor take
PursueActive trading company with a 77-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
7 live charges · 4 lenders · oldest 49.5y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 49.5 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
116 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £1,660,637
Cash YoY
+40%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£314k
↑ 40% YoY
Net Worth
£1.7m
↑ 20% YoY
Current Assets
£375k
↑ 31% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1.97M | £1.63M |
| Current assets | £374.7k | £285.9k |
| Cash | £314.1k | £223.8k |
| Debtors | £48.9k | £50.7k |
| Net assets | £1.66M | £1.39M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2025-08-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-12📄capital-allotment-sharescapital · SH01
- 2022-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-13📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-13📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-02-21🔒Charge registered #7Lender: National Westminster Bank PLC
- 2020-02-21🔒Charge registered #6Lender: National Westminster Bank PLC
- 2019-10-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-15🔒Charge registered #5Lender: National Westminster Bank PLC
- 2019-09-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-09-12📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2018-09-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-07➖FLANAGAN, Aileen Margaret resignedsecretary
- 2018-09-07➖FLANAGAN, Aileen Margaret resigneddirector
- 2005-04-29🔓Charge satisfied #4
- 2003-12-24➖FLANAGAN, Kenneth Patrick resigneddirector
- 2001-11-30🔓Charge satisfied #3
- 2001-11-30🔓Charge satisfied #2
- 2001-11-30🔓Charge satisfied #1
- 2001-02-27➕DANN, David Edward appointeddirector
- 1995-05-31🔒Charge registered #4Lender: Lloyds Bank PLC
- 1991-05-24➕DANN, Karen Elaine appointeddirector
- 1981-10-27🔒Charge registered #3Lender: Barclays Bank LTD
- 1981-02-06🔒Charge registered #2Lender: Barclays Bank LTD
- 1976-12-31🔒Charge registered #1Lender: Edward Baker Holdings LTD
- 1971-11-09🏢Company incorporatedAs HOME MADE BAKERY (ESSEX) LIMITED
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Long-tenure founder: Senior director has been in place 35 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 35 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 55 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 ·Charge satisfaction-then-recreation pattern
mediumMultiple 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 Karen Elaine Dann Individual · British · DOB 06/1957 · age 69 | 25–50% | — | 25-50% shares | 26/08/2016 |
Mr Karl James Flanagan Individual · British · DOB 11/1964 · age 62 | 25–50% | — | 25-50% shares | 26/08/2016 |
1 historic (ceased) PSC
- Mrs Aileen Margaret Flanaganceased 07/09/2018· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| DS'CAKES LTD→ 13931692 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| FLAVOURS GELATO EASTWOOD LTD→ 14120026 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| FLOURISH HORSE HEALTH LTD→ 11450710 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| GAO EXPRESS DISTRIBUTION LIMITED→ 14131978 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| GELATO ITALIA LIMITED→ 07442221 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| GOSPODINELE LUI TATA LTD→ 15689808 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| GREAT WHEATLEY VINEYARD LIMITED→ 13578851 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| GREENACRE SMALLHOLDINGS LIMITED→ 00458434 · est 1948 · no financials extracted | — | — | — | — | 77y | — | — |
| HOLY DESSERTS LTD→ 16535781 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HONEY SLICE BAKERY LTD→ 12685722 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| HOP MONSTER BREWING COMPANY LTD.→ 07529362 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| HOPE BREWERY LTD→ 09286486 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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 →🔒Advanced scoring suite
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
Statusactive
Typeltd
Incorporated1971-11-09
Jurisdictionengland-wales
Primary SIC10710 — Manufacture of bread; manufacture of fresh pastry goods and cakes
Registered office
17 Broadway West,
Leigh On Sea,
Essex
SS9 2BZ
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-09
Last: 2025-08-26
Officers (3 active · 3 resigned)
DANN, David Edward→
Activedirector · ~77y · appointed 2001-02-27
View their other companies + combined net worth →
DANN, Karen Elaine→
Activedirector · ~69y · appointed 1991-05-24
View their other companies + combined net worth →
Active
FLANAGAN, Aileen Margaret→
Resignedsecretary · resigned 2018-09-07
FLANAGAN, Aileen Margaret→
Resigneddirector · ~93y · resigned 2018-09-07
FLANAGAN, Kenneth Patrick→
Resigneddirector · ~93y · resigned 2003-12-24
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
3
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 21/02/2020 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 21/02/2020 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 15/10/2019 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 31/05/1995 | 29/04/2005 | |
| satisfied | Barclays Barclays Bank LTD | Legal charge | 1 property | 27/10/1981 | 30/11/2001 | |
| satisfied | Barclays Barclays Bank LTD | Debenture | 1 property | 06/02/1981 | 30/11/2001 | |
| satisfied | Edward Baker Holdings Edward Baker Holdings LTD | Legal charge | 1 property | 31/12/1976 | 30/11/2001 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (116 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-06
capital-allotment-shares
capital · SH01
2022-09-12
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-05
change-person-director-company-with-change-date
officers · CH01
2021-07-13
change-person-director-company-with-change-date
officers · CH01
2021-07-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-07-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-11