BRITISH CURED PILCHARDS LIMITED

🌳Matureactive

01547757 · ltd · incorporated 1981-02-27

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Nov 2024

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: SIC 10200

Sector: Manufacturing

ALSO REGISTERED FOR

68100Buying and selling of own real estate
68209Other letting and operating of own or leased real estate

Investor take

Pursue

Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (78/100, 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

8 live charges · 4 lenders · oldest 45.0y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 45.0 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 3 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

8 charges (8/8 with lender, 8/8 with type)

Directors & officers

3 officers (3 active, 3 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

4 connected companies via shared directors

Filing history

114 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-11-30	2023-11-30
Average employees	2	200

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

filings

Last 90 days

filings

Last 180 days

filings

• 2 mortgage
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (31 events)Click to expand

2026-01-30
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-30
🔓
Charge satisfied #7
2026-01-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-28
🔓
Charge satisfied #8
2025-08-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-23
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-12-23
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-07-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-29
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-06-15
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-08-25
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-03-30
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-08-06
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-04-16
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-06-23
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-05-03
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-01-04
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2011-02-16
🔓
Charge satisfied #6
2011-02-16
🔓
Charge satisfied #5
2011-02-14
🔒
Charge registered #8
Lender: Svenska Handelsbanken Ab (Publ)
2011-02-14
🔒
Charge registered #7
Lender: Svenska Handelsbanken Ab (Publ)
2007-06-15
🔓
Charge satisfied #3
2007-06-08
🔓
Charge satisfied #4
2007-02-16
🔒
Charge registered #6
Lender: Lloyds Tsb Bank PLC
2007-02-01
🔒
Charge registered #5
Lender: Lloyds Tsb Bank PLC
1995-03-18
🔓
Charge satisfied #2
1994-09-23
🔒
Charge registered #4
Lender: Barclays Bank PLC
1994-07-19
🔒
Charge registered #3
Lender: Barclays Bank PLC
1987-03-05
🔒
Charge registered #2
Lender: T S B England & Wales PLC
1981-05-13
🔒
Charge registered #1
Lender: Barclays Bank PLC
1981-02-27
🏢
Company incorporated
As BRITISH CURED PILCHARDS LIMITED

Owner dependency

81/100

Critical — business is the founder

The 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 77 — 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 candidate

Strong 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.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondaryStable-but-static management: Company is 45 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

medium

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 Marie Therese Francoise Howell Individual · French · DOB 09/1949 · age 77	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mr Nicholas John Howell Individual · British · DOB 10/1951 · age 75	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

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 →

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ATLANTIC DISTILLERY LTD→ 10783338 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
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BAREFOOT NUTRITION LTD→ 10696828 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
BRAYS & K'S LTD→ 16505394 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BRÍD'S CROSS BREWING LTD→ 14410650 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
CAKECITY LTD→ 16611934 · est 2025 · no financials extracted	—	—	—	—	—	—	—
CALLESTICK FARM ICE CREAM LIMITED→ 05924889 · est 2006 · no financials extracted	—	—	—	—	19y	—	—

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

Incorporated1981-02-27

Jurisdictionengland-wales

Primary SIC10200 — SIC 10200

Registered office

Ker-Avel

Rosehill

Penzance

Cornwall

TR20 8TE

Filing status

Accounts

Next due: 2026-08-31

Last made up to: 2024-11-30

Confirmation statement

Next due: 2027-01-06

Last: 2025-12-23

Officers (3 active · 0 resigned)

HOWELL, Marie Therese Francoise→

secretary

View their other companies + combined net worth →

Active

HOWELL, Marie Therese Francoise→

director · ~77y

View their other companies + combined net worth →

Active

HOWELL, Nicholas John→

director · ~75y

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:8 of 8 shown

		Type	Properties
satisfied	Svenska Handelsbanken Ab (Publ)	Legal mortgage	1 property	14/02/2011	28/01/2026
satisfied	Svenska Handelsbanken Ab (Publ)	Mortgage debenture	1 property	14/02/2011	30/01/2026
satisfied	Lloyds Banking Group Lloyds Tsb Bank PLC	Mortgage	1 property	16/02/2007	16/02/2011
satisfied	Lloyds Banking Group Lloyds Tsb Bank PLC	Debenture	1 property	01/02/2007	16/02/2011
satisfied	Barclays Barclays Bank PLC	Legal charge	1 property	23/09/1994	08/06/2007
satisfied	Barclays Barclays Bank PLC	Debenture	1 property	19/07/1994	15/06/2007
satisfied	T S B England & Wales T S B England & Wales PLC	Mortgage debenture	1 property	05/03/1987	18/03/1995
outstanding	Barclays Barclays Bank PLC	Debenture	1 property	13/05/1981	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (114 total)

mortgage-satisfy-charge-full

mortgage · MR04

2026-01-30

mortgage-satisfy-charge-full

mortgage · MR04

2026-01-28

confirmation-statement-with-updates

confirmation-statement · CS01

2025-12-24

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-08-28

confirmation-statement-with-updates

confirmation-statement · CS01

2024-12-23

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2024-12-23

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2024-12-23

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-07-01

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-12-23

accounts-with-accounts-type-unaudited-abridged

accounts · AA

2023-08-29

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-01-03

accounts-with-accounts-type-unaudited-abridged

accounts · AA

2022-06-15

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-12-23

accounts-with-accounts-type-unaudited-abridged

accounts · AA

2021-08-25

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-01-06