CAFFE CONCERTO LIMITED
🌳Matureactive
01994671 · ltd · incorporated 1986-03-03
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
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Manufacture of bread; manufacture of fresh pastry goods and cakes
Sector: Manufacturing
ALSO REGISTERED FOR
- 10850Manufacture of prepared meals and dishes
- 56101Licenced restaurants
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 73/100 (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: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
8 live charges · 5 lenders · oldest 39.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 39.9 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (58/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
11 officers (2 active, 11 linked, 9 with DOB)
86
Ownership & PSC
1 active PSC(s) of 6 total, 6 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
165 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
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
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
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 (52 events)Click to expand
- 2026-07-05📄accounts-with-accounts-type-groupaccounts · AA
- 2025-05-27📄accounts-with-accounts-type-groupaccounts · AA
- 2024-11-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-11-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-11-17➕BORJAK, Mohamad Mustapha appointeddirector
- 2024-09-25✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-09-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-06-12📄accounts-with-accounts-type-groupaccounts · AA
- 2023-10-19✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-10-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-10-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-10-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-21➖BORJAK, Mohamad resigneddirector
- 2023-08-22➕BORJAK, Mohamad appointeddirector
- 2023-08-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-20📄accounts-with-accounts-type-fullaccounts · AA
- 2023-02-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-02-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-12-15➖CHAHINE, Mohamad resigneddirector
- 2022-12-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-01📄accounts-with-accounts-type-fullaccounts · AA
- 2022-03-15📄auditors-resignation-companyauditors · AUD
- 2020-12-02➕CHAHINE, Mohamad appointeddirector
- 2020-11-30➖BORJAK, Mohamad resignedsecretary
- 2020-11-30➖BORJAK, Mohammad resigneddirector
- 2013-05-02🔓Charge satisfied #6
- 2013-04-26🔒Charge registered #8Lender: National Westminster Bank PLC
- 2012-03-20➕BORJAK, Mohammad appointeddirector
- 2011-03-01➕BORJAK, Mohamad appointedsecretary
- 2009-11-11➕AL-HAJJAR, Maher Ahmad appointeddirector
- 2009-11-11➖BORJAK, Mohamad resigneddirector
- 2009-10-05➖LYNN, Stephen William resignedsecretary
- 2009-10-05➕BORJAK, Mohamad appointeddirector
- 2009-10-05➖LYNN, Stephen William resigneddirector
- 2009-10-05➖LYNN, Tracy Soo Chin resigneddirector
- 2009-10-05🔒Charge registered #7Lender: Sidney Smith (Chelsea) Limited
- 2003-10-31➕LYNN, Tracy Soo Chin appointeddirector
- 2003-10-31➖THORPE, Geoffrey resigneddirector
- 1998-08-06🔓Charge satisfied #1
- 1998-07-30🔓Charge satisfied #2
- 1998-03-20🔓Charge satisfied #5
- 1998-03-20🔓Charge satisfied #4
- 1997-11-03🔒Charge registered #6Lender: Lloyds Bank PLC
- 1994-07-22🔒Charge registered #5Lender: Barclays Bank PLC
- 1992-11-12🔒Charge registered #4Lender: Barclays Bank PLC
- 1989-11-15🔓Charge satisfied #3
- 1987-01-26🔒Charge registered #3Lender: R I Garrett
- 1986-08-29🔒Charge registered #2Lender: Barclays Bank PLC
Showing most recent 50 of 52 events
Owner dependency
68/100
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 17 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 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.
Name changed recently
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-09-25: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mohamad Mustapha Borjak Individual · Dutch · DOB 02/1970 · age 56 | — | 75–100% | 75-100% voting | 17/11/2024 |
5 historic (ceased) PSCs
- Mr Maher Ahmad Al-Hajjarceased 17/11/2024· board control
- Mr Mohammad Borjakceased 21/09/2023· 75-100% shares · 75-100% voting
- Mr Maher Ahmad Al-Hajjarceased 22/02/2023· board control · trust interest · firm interest
- Mr Mohamad Chahineceased 28/01/2021· 75-100% shares · firm interest
- Mr Mohammad Borjakceased 01/09/2020· significant influence
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 · Food & drink · W postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BANFIELD FOODS LTD→ 15749429 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BEAM SUNTORY UK LIMITED→ 05591988 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| BIBIERO LIMITED→ 11037175 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BOLLE DRINKS LIMITED→ 15888861 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BREAL CAPITAL (B SHEEP) LIMITED→ 15535042 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BREWED BY AYALA LTD→ 16127041 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BROTHER JOE'S KITCHEN LTD→ 16343142 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BUBBLEWRAP FRANCHISE LTD→ 12367854 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BYFOUR LTD→ 16540652 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CAKE DELUSIONS BDS LIMITED→ 09616933 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CAKE STREET LTD→ 15466354 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CAKEBERRY LONDON LIMITED→ 16214709 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated1986-03-03
Jurisdictionengland-wales
Primary SIC10710 — Manufacture of bread; manufacture of fresh pastry goods and cakes
Registered office
29-31 Piccadilly
London
W1J 0LF
England
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-12-29
Last: 2025-12-15
Officers (2 active · 9 resigned)
AL-HAJJAR, Maher Ahmad→
Activedirector · ~43y · appointed 2009-11-11
View their other companies + combined net worth →
BORJAK, Mohamad Mustapha→
Activedirector · ~56y · appointed 2024-11-17
View their other companies + combined net worth →
BORJAK, Mohamad→
Resignedsecretary · appointed 2011-03-01 · resigned 2020-11-30
LYNN, Stephen William→
Resignedsecretary · resigned 2009-10-05
BORJAK, Mohamad→
Resigneddirector · ~56y · appointed 2023-08-22 · resigned 2023-09-21
BORJAK, Mohamad→
Resigneddirector · ~56y · appointed 2009-10-05 · resigned 2009-11-11
BORJAK, Mohammad→
Resigneddirector · ~56y · appointed 2012-03-20 · resigned 2020-11-30
CHAHINE, Mohamad→
Resigneddirector · ~50y · appointed 2020-12-02 · resigned 2022-12-15
LYNN, Stephen William→
Resigneddirector · ~71y · resigned 2009-10-05
LYNN, Tracy Soo Chin→
Resigneddirector · ~69y · appointed 2003-10-31 · resigned 2009-10-05
THORPE, Geoffrey→
Resigneddirector · ~70y · resigned 2003-10-31
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
2
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 26/04/2013 | — | |
| outstanding | Sidney Smith (Chelsea) Sidney Smith (Chelsea) Limited | Licence to dispose of a company | 1 property | 05/10/2009 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Debenture | 1 property | 03/11/1997 | 02/05/2013 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 22/07/1994 | 20/03/1998 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 12/11/1992 | 20/03/1998 | |
| satisfied | R I Garrett | Debenture | 1 property | 26/01/1987 | 15/11/1989 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 29/08/1986 | 30/07/1998 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 19/08/1986 | 06/08/1998 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (165 total)
accounts-with-accounts-type-group
accounts · AA
2026-07-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-04
accounts-with-accounts-type-group
accounts · AA
2025-05-27
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-18
appoint-person-director-company-with-name-date
officers · AP01
2024-11-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-11-18
certificate-change-of-name-company
change-of-name · CERTNM
2024-09-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-30
accounts-with-accounts-type-group
accounts · AA
2024-06-12
certificate-change-of-name-company
change-of-name · CERTNM
2023-10-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-10-18
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-10-04
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-10-04