BATH CHRISTIAN TRUST
- · Oldest live charge 22.0y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 82). 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
1 live charge · oldest 22.0y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 22.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (59/100)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
- • 1 accounts
Corporate timeline (83 events)Click to expand
- 2026-02-04📄accounts-with-accounts-type-groupaccounts · AA
- 2025-12-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-12➖MOORE, William Andrew resigneddirector
- 2025-12-12➖REYNOLDS, Daniel John resigneddirector
- 2025-01-02📄accounts-with-accounts-type-groupaccounts · AA
- 2024-12-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-10➕KINNEAR, Craig appointeddirector
- 2024-12-10➖HARRISON, Simon Richard resigneddirector
- 2024-12-10➖KING, Andrew Graham resigneddirector
- 2024-02-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-04➕MARTIN, Ruth Elizabeth appointeddirector
- 2023-01-06📄accounts-with-accounts-type-groupaccounts · AA
- 2022-01-04📄accounts-with-accounts-type-groupaccounts · AA
- 2020-12-21📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-12-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-12-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-12-18📄accounts-with-accounts-type-groupaccounts · AA
- 2020-12-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-08➖CLEMENTS, Judith Miriam resigneddirector
- 2020-12-07➕HAMER, Bob appointeddirector
- 2020-12-07➕JACOBS, Robert Michael appointeddirector
- 2020-12-07➕MOORE, William Andrew appointeddirector
- 2020-08-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-01-02➕CLEMENTS, Judith Miriam appointeddirector
- 2018-12-10➖MARTIN, Ruth Elizabeth resignedsecretary
- 2018-12-10➖MARTIN, Ruth Elizabeth resigneddirector
- 2017-12-11➕KING, Andrew Graham appointeddirector
- 2017-08-19➖KATZ, Lloyd Matthew resigneddirector
- 2016-07-25➕HARRISON, Simon Richard appointeddirector
- 2016-07-25➖SHEARD, Philip Anthony, Rev resigneddirector
- 2016-07-18➖MORRIS, Vivienne Jane resigneddirector
- 2016-05-09➕REYNOLDS, Daniel John appointeddirector
- 2016-01-01➖ADDAI, Kwabena Sarpong resigneddirector
- 2014-12-08➕DURRANT, Simon James appointeddirector
- 2014-11-17➖KEILLER, Murray Stewart resigneddirector
- 2013-12-10➖BEVERIDGE, Norman Mark resignedsecretary
- 2013-12-10➕MARTIN, Ruth Elizabeth appointedsecretary
- 2013-12-10➖BEVERIDGE, Norman Mark resigneddirector
- 2013-12-10➖MORGAN, Peter Robert resigneddirector
- 2013-12-10➖ROUSE, Anthony resigneddirector
- 2012-12-05➕ADDAI, Kwabena Sarpong appointeddirector
- 2012-12-05➕SHEARD, Philip Anthony, Rev appointeddirector
- 2011-12-07➕KATZ, Lloyd Matthew appointeddirector
- 2011-05-25➖WOOD, Stephen Jarvis Tyndale, Doctor resigneddirector
- 2010-12-08➕MARTIN, Ruth Elizabeth appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 82 — 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 82 years old. Natural succession window is now.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: MOORE, William Andrew resigned 2025-12-12; REYNOLDS, Daniel John resigned 2025-12-12
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 (5 active · 29 resigned)
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Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 2 properties | 02/08/2004 | — |