C & D LIMITED
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 65). 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
4 live charges · 3 lenders · oldest 37.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 37.3 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
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.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 1400 | 1200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (29 events)Click to expand
- 2025-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-05📄capital-allotment-sharescapital · SH01
- 2022-09-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-25📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2021-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2017-05-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-07-15📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-02📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-08-07🔒Charge registered #4Lender: National Westminster Bank PLC
- 2015-07-24🔒Charge registered #3Lender: Rbs Invoice Finance Limited
- 2015-06-30➖MCLEAN, Allan Macdermid resigneddirector
- 2009-02-09🔓Charge satisfied #1
- 2005-12-31➕MCLEAN, Allan Macdermid appointeddirector
- 2005-10-26🔒Charge registered #2Lender: National Westminster Bank PLC
- 2004-08-18➖HEWETT, Jacqueline Lorraine resigneddirector
- 2004-06-22➕HEWETT, Jacqueline Lorraine appointedsecretary
- 2004-06-22➖HEWETT, Jean Elizabeth resignedsecretary
- 2004-06-22➕HEWETT, Jacqueline Lorraine appointeddirector
- 2003-05-22➖LEE, Robert resigneddirector
- 1993-10-01➕LEE, Robert appointeddirector
- 1989-03-03🔒Charge registered #1Lender: Barclays Bank PLC
- 1984-09-21🏢Company incorporatedAs C & D LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 42 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Jacqueline Lorraine Hewett Individual · British · DOB 11/1963 · age 63 | 25–50% | — | 25-50% shares | 01/10/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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9 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 (2 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 07/08/2015 | — | |
| outstanding | NatWest Group Rbs Invoice Finance Limited | A registered charge | — | 24/07/2015 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 26/10/2005 | — | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 03/03/1989 | 09/02/2009 |