ROSARY GOATS' CHEESE LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 75). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · 4 lenders · oldest 20.3y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 20.3 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | — | £115.0k |
| Current assets | — | £189.6k |
| Cash | — | £432 |
| Debtors | — | £162.1k |
| Net assets | — | £43.3k |
| Average employees | 6 | — |
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 mortgage
- • 1 confirmation-statement
- • 1 mortgage
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (30 events)Click to expand
- 2026-06-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-06-25🔓Charge satisfied #3
- 2026-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-10🔒Charge registered #4Lender: Pulse Finance Limited
- 2024-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-01-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-12-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-03-20🔓Charge satisfied #2
- 2017-02-02🔒Charge registered #3Lender: Calverton Finance Limited
- 2016-04-01➕MOODY, Daniel John appointeddirector
- 2009-08-27🔒Charge registered #2Lender: Lloyds Tsb Commercial Finance Limited
- 2006-03-28🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2002-01-30🏢Company incorporatedAs ROSARY GOATS' CHEESE LIMITED
- 2002-01-30➕MOODY, Christopher appointedsecretary
- 2002-01-30➕MOODY, Christopher appointeddirector
- 2002-01-30➕MOODY, Clare Louise appointeddirector
- 2002-01-30➕THEYDON SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2002-01-30➖THEYDON SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2002-01-30➕THEYDON NOMINEES LIMITED appointedcorporate-nominee-director
- 2002-01-30➖THEYDON NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 75 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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 ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Moody Individual · British · DOB 10/1951 · age 75 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mrs Clare Louise Moody Individual · British · DOB 10/1961 · age 65 | 25–50% | — | 25-50% shares | 06/04/2016 |
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.
See pricing →Similar companies
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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 (4 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Pulse Finance Pulse Finance Limited | A registered charge | 6 properties | 10/06/2025 | — | |
| satisfied | Calverton Finance Calverton Finance Limited | A registered charge | 1 property | 02/02/2017 | 25/06/2026 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Commercial Finance Limited | All assets debenture | 1 property | 27/08/2009 | 20/03/2017 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 28/03/2006 | — |