C & O TRACTORS LIMITED

🌳Matureactive

03431352 · ltd · incorporated 1997-09-09

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

—

year to Dec 2024

Net worth

£1.58M

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: SIC 28301

Sector: Manufacturing

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 75/100 (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. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).

🏦

Refinance opportunity

12 live charges · 9 lenders · oldest 26.1y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 26.1 years old — likely at or near maturity.
· 9 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

12 charges (12/12 with lender, 12/12 with type)

Directors & officers

14 officers (3 active, 14 linked, 11 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

10 connected companies via shared directors

Filing history

120 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £1,581,473

Net assets shrinking

Down £1,543,246 YoY

Cash YoY

+108%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£12k

↑ 108% YoY

Net Worth

£1.6m

↓ 49% YoY

Current Assets

£13m

↓ 13% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-12-31	2023-12-31
Total assets	£2.25M	£3.85M
Current assets	£13.41M	£15.40M
Cash	£12.0k	£5.8k
Debtors	£2.76M	£3.46M
Net assets	£1.58M	£3.12M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 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

filings

Last 90 days

filings

Last 180 days

filings

• 2 mortgage

Counts from Companies House filing history.

Corporate timeline (64 events)Click to expand

2026-01-28
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-28
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-27
🔒
Charge registered #13
Lender: Agco Finance Limited
2026-01-27
🔒
Charge registered #12
Lender: Agco Finance Limited
2025-09-30
📄
accounts-with-accounts-type-medium
accounts · AA
2024-09-30
📄
accounts-with-accounts-type-full
accounts · AA
2023-09-28
📄
accounts-with-accounts-type-full
accounts · AA
2023-08-10
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-08-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-06-12
➕
MOYLE, Fiona Jane appointed
director
2023-06-12
➖
HOLLAND, Daniel Thomas resigned
director
2022-09-26
📄
accounts-with-accounts-type-full
accounts · AA
2022-06-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-06-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-05-27
➖
SPENCER, Richard Paul resigned
director
2022-05-01
➕
HOLLAND, Daniel Thomas appointed
director
2022-01-21
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2021-10-15
📄
accounts-with-accounts-type-full
accounts · AA
2021-03-29
📄
accounts-with-accounts-type-full
accounts · AA
2020-07-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-07-13
➖
FINLAY, Samantha Jane resigned
director
2019-12-18
📄
accounts-with-accounts-type-full
accounts · AA
2018-12-07
📄
accounts-with-accounts-type-full
accounts · AA
2018-09-07
📄
change-person-director-company-with-change-date
officers · CH01
2016-03-24
➖
AYRES, George Edward resigned
director
2016-03-24
➖
BAYLISS, Christopher James resigned
director
2016-03-24
➕
FINLAY, Samantha Jane appointed
director
2016-03-24
➕
SPENCER, Richard Paul appointed
director
2013-03-04
🔓
Charge satisfied #9
2013-01-28
🔒
Charge registered #11
Lender: Hsbc Bank PLC
2012-09-26
➖
MAIDMENT, David Paul resigned
director
2012-07-02
➕
BAYLISS, Christopher James appointed
director
2011-11-11
➖
READ, Stephen John resigned
director
2011-11-11
➖
SPIERS, Leslie William, Dr resigned
director
2010-07-13
🔓
Charge satisfied #10
2010-07-13
🔓
Charge satisfied #5
2010-03-01
➕
AYRES, George Edward appointed
director
2009-12-29
🔓
Charge satisfied #1
2009-04-17
🔓
Charge satisfied #8
2009-04-17
🔓
Charge satisfied #6
2008-10-22
➕
MAIDMENT, David Paul appointed
director
2008-10-22
➕
READ, Stephen John appointed
director
2008-09-02
🔓
Charge satisfied #4
2008-09-02
🔓
Charge satisfied #3
2008-02-01
➕
SPIERS, Leslie William, Dr appointed
director
2008-01-08
➖
COLES, Edward George resigned
director
2006-11-16
➕
COLES, Lucy Rebecca appointed
secretary
2006-11-16
➖
COLES, Patricia Jane resigned
secretary
2006-06-10
🔓
Charge satisfied #2
2005-12-16
🔒
Charge registered #10
Lender: The Governor and Company of the Bank of Scotland

Showing most recent 50 of 64 events

Owner dependency

68/100

High — earn-out structure required

Material 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 29 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

66/100

Strong succession signal

Multiple 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 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

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

C & O Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

C & O Holdings Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

C & O TRACTORS LIMITED

This company · 03431352

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
C & O Holdings Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	06/04/2016

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 →

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BROTHERWOOD AUTOMOBILITY LIMITED→ 01350007 · est 1978 · no financials extracted	—	—	—	—	48y	—	—
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BURROW ENVIRONMENTAL LTD→ 10908382 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
C-MAX LIMITED→ 02761056 · est 1992 · no financials extracted	—	—	—	—	33y	—	—
CAMBER CYCLE WORKS LTD→ 13372375 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
CARBON CUT HOLDINGS LIMITED→ 09993824 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
CAVISCAN LTD→ 10911441 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
CHECKMATE DEVICES LIMITED→ 00728913 · est 1962 · no financials extracted	—	—	—	—	63y	—	—
CHEDINGTON COMPOST LIMITED→ 03926682 · est 2000 · no financials extracted	—	—	—	—	26y	—	—
CHRIS CHAPMAN LIMITED→ 09186947 · est 2014 · no financials extracted	—	—	—	—	11y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

🔒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

Incorporated1997-09-09

Jurisdictionengland-wales

Primary SIC28301 — SIC 28301

Registered office

Blandford Heights

Blandford Forum

Dorset

DT11 7TF

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-09-23

Last: 2025-09-09

Officers (3 active · 11 resigned)

COLES, Lucy Rebecca→

secretary · appointed 2006-11-16

View their other companies + combined net worth →

Active

COLES, Andrew George→

director · ~55y · appointed 1997-09-09

View their other companies + combined net worth →

Active

MOYLE, Fiona Jane→

director · ~47y · appointed 2023-06-12

View their other companies + combined net worth →

Active

COLES, Patricia Jane→

secretary · appointed 1997-09-09 · resigned 2006-11-16

Resigned

SWIFT INCORPORATIONS LIMITED→

corporate-nominee-secretary · appointed 1997-09-09 · resigned 1997-09-09

Resigned

AYRES, George Edward→

director · ~76y · appointed 2010-03-01 · resigned 2016-03-24

Resigned

BAYLISS, Christopher James→

director · ~82y · appointed 2012-07-02 · resigned 2016-03-24

Resigned

COLES, Edward George→

director · ~83y · appointed 1997-09-09 · resigned 2008-01-08

Resigned

FINLAY, Samantha Jane→

director · ~58y · appointed 2016-03-24 · resigned 2020-07-13

Resigned

HOLLAND, Daniel Thomas→

director · ~37y · appointed 2022-05-01 · resigned 2023-06-12

Resigned

MAIDMENT, David Paul→

director · ~71y · appointed 2008-10-22 · resigned 2012-09-26

Resigned

READ, Stephen John→

director · ~59y · appointed 2008-10-22 · resigned 2011-11-11

Resigned

SPENCER, Richard Paul→

director · ~64y · appointed 2016-03-24 · resigned 2022-05-27

Resigned

SPIERS, Leslie William, Dr→

director · ~78y · appointed 2008-02-01 · resigned 2011-11-11

Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:12 of 12 shown

		Type	Properties
outstanding	Agco Finance Agco Finance Limited	A registered charge	—	27/01/2026	—
outstanding	Agco Finance Agco Finance Limited	A registered charge	—	27/01/2026	—
outstanding	HSBC Hsbc Bank PLC	Debenture	1 property	28/01/2013	—
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Legal charge	1 property	16/12/2005	13/07/2010
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Debenture	1 property	01/12/2005	04/03/2013
satisfied	Ing Lease (UK) Ing Lease (UK) LTD	Assignment	1 property	14/12/2004	17/04/2009
satisfied	Ing Lease (UK) Twelve Ing Lease (UK) Twelve LTD	Assignment	1 property	20/02/2003	17/04/2009
satisfied	Andrew Sydenham Leigh Pond and Timothy William Pond	Legal charge	1 property	09/05/2002	13/07/2010
satisfied	Lloyds Banking Group Lloyds Tsb Bank PLC	Mortgage deed	1 property	09/05/2002	02/09/2008
satisfied	Lloyds Banking Group Lloyds Tsb Bank PLC	Mortgage	2 properties	29/04/2001	02/09/2008
satisfied	Lloyds Banking Group Lloyds Tsb Commercial Finance Limited	All assets debenture	1 property	18/08/2000	10/06/2006
satisfied	Stanley Pond Stanley Pond Limited	Mortgage	2 properties	31/05/2000	29/12/2009

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (120 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2026-01-28

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2026-01-28

accounts-with-accounts-type-medium

accounts · AA

2025-09-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-09-15

accounts-with-accounts-type-full

accounts · AA

2024-09-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-09-10

accounts-with-accounts-type-full

accounts · AA

2023-09-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-09-11

appoint-person-director-company-with-name-date

officers · AP01

2023-08-10

termination-director-company-with-name-termination-date

officers · TM01

2023-08-10

accounts-with-accounts-type-full

accounts · AA

2022-09-26

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-09-14

termination-director-company-with-name-termination-date

officers · TM01

2022-06-08

appoint-person-director-company-with-name-date

officers · AP01

2022-06-08

change-account-reference-date-company-previous-shortened

accounts · AA01

2022-01-21