REMNANT HOUSE (HARROGATE) LIMITED
🌳Matureactive
01798594 · ltd · incorporated 1984-03-09
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
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: SIC 47510
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 78/100 (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. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 29.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 29.0 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 (77/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 5 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
113 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
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 |
|---|---|---|
| Average employees | 1000 | 1000 |
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
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
- • 1 confirmation-statement
- • 1 officers
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-02-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-04📄change-person-director-company-with-change-dateofficers · CH01
- 2021-03-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-03-04📄change-person-director-company-with-change-dateofficers · CH01
- 2020-09-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-10🔒Charge registered #3Lender: Barclays Security Trustee Limited
- 2019-08-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-04-06➕BANK, Emma Jane appointeddirector
- 2005-02-22🔒Charge registered #2Lender: Barclays Bank PLC
- 2004-12-31➕BANK, Emma Jane appointedsecretary
- 2004-12-31➖BANK, Sheila Ann resignedsecretary
- 2004-12-29🔓Charge satisfied #1
- 2002-03-31➖BANK, Sheila Ann resigneddirector
- 1997-06-30🔒Charge registered #1Lender: John Stephen Bank
- 1995-05-21➕BANK, Stephen Raoul appointeddirector
- 1995-05-21➖BANK, John Stephen resigneddirector
- 1993-07-03➖WILLIAMS, Frank resigneddirector
- 1984-03-09🏢Company incorporatedAs REMNANT HOUSE (HARROGATE) LIMITED
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 42 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Emma Jane Bank Individual · British · DOB 06/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/02/2023 |
Mr Stephen Raoul Bank Individual · British · DOB 03/1971 · age 55 | 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.
Similar companies
Active · Retail · BB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & G CONVENIENCE STORE LTD→ 11683343 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| A & H HALAL MEAT LIMITED→ 11249546 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AARA LIMITED→ 11457332 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABDULS MINI MARKET LTD→ 15594164 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ABS ( NORTH) LIMITED→ 14265364 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACECOMPANY LTD→ 14116681 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACJ PACKAGING SOLUTIONS LTD→ 15771200 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACORN MINI MARKET LTD→ 16962454 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACORN PHARMACY (GARSTANG) LIMITED→ 16692561 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACORN PHARMACY ACCRINGTON LTD→ 11511265 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACORN'S HEALTHY OPTION PET FOOD STORE LIMITED→ 04455896 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ADAM FOOD PLUS LIMITED→ 15576987 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1984-03-09
Jurisdictionengland-wales
Primary SIC47510 — SIC 47510
Registered office
Longhill Farm
Hill Top
Foulridge
Colne
BB8 7LR
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-19
Last: 2026-03-05
Officers (3 active · 4 resigned)
Active
BANK, Emma Jane→
Activedirector · ~46y · appointed 2013-04-06
View their other companies + combined net worth →
BANK, Stephen Raoul→
Activedirector · ~55y · appointed 1995-05-21
View their other companies + combined net worth →
BANK, Sheila Ann→
Resignedsecretary · resigned 2004-12-31
BANK, John Stephen→
Resigneddirector · ~80y · resigned 1995-05-21
BANK, Sheila Ann→
Resigneddirector · ~80y · resigned 2002-03-31
WILLIAMS, Frank→
Resigneddirector · ~99y · resigned 1993-07-03
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 10/03/2020 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 22/02/2005 | — | |
| satisfied | John Stephen Bank / The Santhouse Pensioneer Trustee Company / Sheila Anne Bank John Stephen Bank / The Santhouse Pensioneer Trustee Company Limited / Sheila Anne Bank | Legal charge | 1 property | 30/06/1997 | 29/12/2004 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (113 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-05
change-person-director-company-with-change-date
officers · CH01
2026-03-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-10
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-06
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-02-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-02-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-16
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-12-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-20