COLDHARBOUR FARM LIMITED
- · Oldest live charge 27.0y old — refinance window within 12 months
- 01250SIC 01250
- 47990Other retail sale not in stores, stalls or markets
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 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
2 live charges · 2 lenders · oldest 27.0y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 27.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — 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.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £732.7k | £734.5k |
| Current assets | £323.3k | £303.5k |
| Cash | £259.8k | £249.2k |
| Debtors | £8.5k | £14.3k |
| Net assets | £549.0k | £545.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (30 events)Click to expand
- 2026-04-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-19➖TROTT, Ruth Mary resigneddirector
- 2025-10-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-10-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-01-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-01-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-10-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-04-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-04-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-11-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-10-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-04-17📄change-person-director-company-with-change-dateofficers · CH01
- 2019-04-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-10-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2015-06-08➖TROTT, Jack Leslie resigneddirector
- 2014-10-15🔒Charge registered #2Lender: The Agricultural Mortgage Corporation PLC
- 2012-02-01➕PRICE, Karren Ruth appointedsecretary
- 2012-01-31➖OBORNE, Jacqueline Ruth resignedsecretary
- 2011-04-02➕PRICE, Karren Ruth appointeddirector
- 1999-06-28🔒Charge registered #1Lender: National Westminster Bank PLC
- 1999-03-19➖OBORNE, Robin George resigneddirector
- 1997-04-16🏢Company incorporatedAs COLDHARBOUR FARM LIMITED
- 1997-04-16➕OBORNE, Jacqueline Ruth appointeddirector
- 1997-04-16➕OBORNE, Jacqueline Ruth appointedsecretary
- 1997-04-16➕OBORNE, Robin George appointeddirector
- 1997-04-16➕TROTT, Jack Leslie appointeddirector
- 1997-04-16➕TROTT, Ruth Mary appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 76 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 29 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Karren Ruth Price Individual · British · DOB 05/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 15/11/2023 |
Mrs Ruth Mary Trott Individual · British · DOB 11/1926 · age 100 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 13/04/2017 |
1 historic (ceased) PSC
- Mrs Jacqeline Ruth Oborneceased 15/11/2023· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | A registered charge | 1 property | 15/10/2014 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 28/06/1999 | — |