COLE'S PUDDINGS LTD.
- · Oldest live charge 35.8y old — refinance window within 12 months
- 10720SIC 10720
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
6 live charges · 2 lenders · oldest 35.8y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 35.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 38/100 — 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 2 accounts
- • 2 other
- • 2 accounts
- • 2 other
- • 2 accounts
- • 2 other
Corporate timeline (64 events)Click to expand
- 2026-06-23📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-06-23📄legacyaccounts · PARENT_ACC
- 2026-06-23📄legacyother · GUARANTEE2
- 2026-06-23📄legacyother · AGREEMENT2
- 2025-12-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-12-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-08-22➖GOODFELLOW, Scott Prain resigneddirector
- 2025-07-17📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-07-17📄legacyother · AGREEMENT2
- 2025-07-10📄legacyaccounts · PARENT_ACC
- 2025-07-10📄legacyother · GUARANTEE2
- 2025-07-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-05➕LEPPARD, Suzanne Louise appointeddirector
- 2024-06-07➖OFFORD, Roseanne Georgina resigneddirector
- 2024-05-22➕LEPPARD, Suzanne Louise appointedsecretary
- 2024-05-22➖DOLLIMORE, Thomas resignedsecretary
- 2022-12-31➖JAMES, Stuart Allan resigneddirector
- 2021-10-01➕JACKSON, Mark Antony appointeddirector
- 2021-03-16➕NEWENHAM, Christopher Worth appointeddirector
- 2021-03-16➕DOLLIMORE, Thomas appointedsecretary
- 2021-03-16➖OFFORD, Roseanne Georgina resignedsecretary
- 2021-03-16➕OFFORD, Roseanne Georgina appointeddirector
- 2021-03-08🔒Charge registered #6Lender: Barclays Bank PLC
- 2021-02-26➖HATCHER, Simon resigneddirector
- 2016-04-30➖THURGOOD, Ian Kenneth resigneddirector
- 2013-02-01➖JAMES, Stuart Allan resignedsecretary
- 2013-02-01➕OFFORD, Roseanne Georgina appointedsecretary
- 2011-11-01➕HATCHER, Simon appointeddirector
- 2011-09-01➕GOODFELLOW, Scott Prain appointeddirector
- 2011-08-31➖COLE, Christopher John resigneddirector
- 2010-08-17➕SCOTT, Walter William appointeddirector
- 2010-08-17➖COLE, Christopher John resignedsecretary
- 2010-08-17➕JAMES, Stuart Allan appointedsecretary
- 2010-08-17➖COLE, Margaret resigneddirector
- 2010-08-17➖HINGSTON, Christopher John resigneddirector
- 2010-08-17➕JAMES, Stuart Allan appointeddirector
- 2010-08-17➕THURGOOD, Ian Kenneth appointeddirector
- 2003-04-25🔓Charge satisfied #3
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 76 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 16 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Multiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
2 corporate shareholders identified. Group structure is distributed.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Wilkin & Sons Limited Corporate entity | 75–100% | 75–100% | sig. influence75-100% shares · 75-100% voting · significant influence | 06/04/2016 |
Wilkin & Sons Ltd Employee Benefit Trust Corporate entity | 25–50% | 50–75% | 50-75% shares · 50-75% voting | 18/11/2025 |
13 historic (ceased) PSCs
- Mrs Nichola Johan Goldsackceased 18/11/2025· 50-75% voting · trust interest
- Mr Stuart Allan Jamesceased 18/11/2025· 50-75% voting · trust interest
- Mr Frankie Glen Nealceased 18/11/2025· 50-75% voting · trust interest
- Mrs Suzanne Louise Leppardceased 18/11/2025· 50-75% voting · trust interest
- Mr Peter David Powellceased 18/10/2025· 50-75% voting · trust interest
- Mr Peter John Wilkinceased 04/07/2025· significant influence
- Mr Thomas Dollimoreceased 18/11/2025· 50-75% voting · trust interest
- Mr Christopher Worth Newenhamceased 18/11/2025· significant influence
- Mr Walter William Scottceased 18/11/2025· significant influence
- Mr Scott Prain Goodfellowceased 22/08/2025· significant influence
- Mrs Roseanne Georgina Offordceased 07/06/2024· significant influence
- Mr Stuart Allan Jamesceased 31/12/2022· significant influence
- Mr Simon Hatcherceased 26/02/2021· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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8 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 (5 active · 14 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 08/03/2021 | — | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 28/03/2003 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/03/2003 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 12/03/2001 | 25/04/2003 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 31/08/1990 | 25/04/2003 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 31/08/1990 | 25/04/2003 |