B. & D. CLAYS AND CHEMICALS LIMITED
🌳Matureactive
01181514 · ltd · incorporated 1974-08-21
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£4.82M
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: SIC 46760
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 73-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 73). 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 (73/100).
🏦
Refinance opportunity
7 live charges · 3 lenders · oldest 47.8y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 47.8 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
8 officers (2 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
126 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
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 · FRS 102Positive net assets
Net assets £4,821,169
Cash YoY
-17%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£164k
↓ 17% YoY
Net Worth
£4.8m
↑ 1.4% YoY
Current Assets
£212k
↓ 30% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £8.14M | £8.21M |
| Current assets | £212.0k | £300.8k |
| Cash | £164.2k | £197.7k |
| Debtors | £47.8k | £103.1k |
| Net assets | £4.82M | £4.75M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2026-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-10🔒Charge registered #7Lender: Lloyds Bank PLC
- 2022-02-10🔒Charge registered #6Lender: Lloyds Bank PLC
- 2021-10-02📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2021-06-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-24📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-04-20📄gazette-notice-compulsorygazette · GAZ1
- 2020-11-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-11-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2020-11-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-11-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-11📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-11-06➕BIGOS, Alistair Simon appointeddirector
- 2020-11-06➕BIGOS, John Anthony appointeddirector
- 2020-11-06➖TROTTER, Brenda Ann resignedsecretary
- 2020-11-06➖TROTTER, James Jeffrey Melrose resigneddirector
- 2018-03-09🔓Charge satisfied #5
- 2018-03-09🔓Charge satisfied #4
- 2018-03-09🔓Charge satisfied #2
- 2018-03-09🔓Charge satisfied #1
- 2017-10-30🔓Charge satisfied #3
- 2001-12-12➖HARRISON, Patricia Mary resignedsecretary
- 2001-12-12➕TROTTER, Brenda Ann appointedsecretary
- 2001-12-12➖HARRISON, Patricia Mary resigneddirector
- 1999-06-30➕HARRISON, Patricia Mary appointeddirector
- 1999-06-30➖WALKER, James Morrison resigneddirector
- 1995-07-01➕HARRISON, Patricia Mary appointedsecretary
- 1995-07-01➖TROTTER, Brenda Ann resignedsecretary
- 1988-03-16🔒Charge registered #5Lender: Lloyds Bank PLC
- 1988-03-16🔒Charge registered #4Lender: Merchant Investors Assurance Co. LTD
- 1987-08-26🔒Charge registered #3Lender: Lloyds Bank PLC
- 1980-10-22🔒Charge registered #2Lender: Lloyds Bank LTD
- 1978-09-28🔒Charge registered #1Lender: Lloyds Bank LTD
- 1974-08-21🏢Company incorporatedAs B. & D. CLAYS AND CHEMICALS LIMITED
Owner dependency
81/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 73 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
76/100
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 73 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 52 years old and no new directors in the last 3 years — succession not yet being planned internally.
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.
Group structure
Navicula Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Navicula Ltd
Corporate parent · holds 75-100% shares · board control
⬇
B. & D. CLAYS AND CHEMICALS LIMITED
This company · 01181514
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Navicula Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/11/2020 |
2 historic (ceased) PSCs
- Mrs Brenda Ann Trotterceased 06/11/2020· 25-50% shares
- Mr James Jeffrey Melrose Trotterceased 06/11/2020· 50-75% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Wholesale & distribution · GU postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ANDREW'S PVCU SUPPLIES LTD→ 03951103 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| AUTHENTIC BEAUTY LTD→ 11979067 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AUX COMMERCIAL AIR CONDITIONERS LIMITED→ 16108460 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AVENUE110 LTD→ 16606013 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AWARDED 2U LIMITED→ 06690204 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| BACCHUS WINES PLDC LIMITED→ 13621101 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BAF GROUP LTD→ 12123902 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BAM NUTRITION LTD→ 13472821 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BARABASZ RECYCLING LTD→ 13757316 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BARAHSINGHE UK LTD→ 16227957 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BARGAIN BUILDING SUPPLIES 2020 LIMITED→ 12991811 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BARKABLE LTD→ 13605599 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1974-08-21
Jurisdictionengland-wales
Primary SIC46760 — SIC 46760
Registered office
Church House
Church Street
Godalming
GU7 1EW
England
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-01-14
Last: 2025-12-31
Officers (2 active · 6 resigned)
BIGOS, Alistair Simon→
Activedirector · ~39y · appointed 2020-11-06
View their other companies + combined net worth →
BIGOS, John Anthony→
Activedirector · ~73y · appointed 2020-11-06
View their other companies + combined net worth →
HARRISON, Patricia Mary→
Resignedsecretary · appointed 1995-07-01 · resigned 2001-12-12
TROTTER, Brenda Ann→
Resignedsecretary · appointed 2001-12-12 · resigned 2020-11-06
TROTTER, Brenda Ann→
Resignedsecretary · resigned 1995-07-01
HARRISON, Patricia Mary→
Resigneddirector · ~82y · appointed 1999-06-30 · resigned 2001-12-12
TROTTER, James Jeffrey Melrose→
Resigneddirector · ~82y · resigned 2020-11-06
WALKER, James Morrison→
Resigneddirector · resigned 1999-06-30
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
2
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 10/02/2022 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 10/02/2022 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | As evidenced by a statutory declaration dated 28/3/88 mortgage | 1 property | 16/03/1988 | 09/03/2018 | |
| satisfied | Merchant Investors Assurance Co. Merchant Investors Assurance Co. LTD | Legal charge | 1 property | 16/03/1988 | 09/03/2018 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Single debenture | 1 property | 26/08/1987 | 30/10/2017 | |
| satisfied | Lloyds Banking Group Lloyds Bank LTD | Legal charge | 1 property | 22/10/1980 | 09/03/2018 | |
| satisfied | Lloyds Banking Group Lloyds Bank LTD | Single debenture | 1 property | 28/09/1978 | 09/03/2018 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (126 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-02-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-02-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-28
change-account-reference-date-company-previous-extended
accounts · AA01
2021-10-02
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-15
gazette-filings-brought-up-to-date
gazette · DISS40
2021-04-24