CHEDDAR WATER LIMITED
🌳Matureactive
05212658 · ltd · incorporated 2004-08-23
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 Aug 2025
Net worth
£196.6k
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: SIC 11070
Sector: Manufacturing
Investor take
PursueActive trading company with a 75-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), 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. 3 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 · 3 lenders · oldest 20.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 20.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)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
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
5 officers (5 active, 5 linked, 4 with DOB)
86
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £196,573
Cash YoY
-4%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£14k
↓ 3.9% YoY
Net Worth
£197k
↑ 107% YoY
Current Assets
£385k
↓ 14% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | £627.6k | £642.9k |
| Current assets | £385.1k | £447.6k |
| Cash | £14.2k | £14.8k |
| Debtors | £142.9k | £142.8k |
| Net assets | £196.6k | £95.0k |
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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-30📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-10-30📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-10-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-07-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-12-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-12-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-23🔓Charge satisfied #3
- 2018-03-06🔒Charge registered #4Lender: Hsbc Bank PLC
- 2010-10-12🔒Charge registered #3Lender: Bank of Scotland PLC
- 2009-04-11🔓Charge satisfied #2
- 2008-08-01🔒Charge registered #2Lender: National Westminster Bank PLC
- 2005-11-07🔒Charge registered #1Lender: Hsbc Bank PLC
- 2004-08-23🏢Company incorporatedAs CHEDDAR WATER LIMITED
- 2004-08-23➕URCH, Virginia appointedsecretary
- 2004-08-23➕URCH, David Lawrence appointeddirector
- 2004-08-23➕URCH, Duncan Winston appointeddirector
- 2004-08-23➕URCH, Tabitha Sarah-Jane appointeddirector
- 2004-08-23➕URCH, Virginia appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 22 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
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Tabitha Sarah-Jane Urch Individual · British · DOB 08/1978 · age 48 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 30/09/2025 |
Mr Duncan Winston Urch Individual · British · DOB 10/1980 · age 46 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 30/09/2025 |
Mr David Lawrence Urch Individual · British · DOB 08/1951 · age 75 | — | — | board controlboard control | 19/02/2019 |
1 historic (ceased) PSC
- Mrs Tabitha Sarah-Jane Urchceased 14/07/2021· 25-50% shares
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| BRAKES CIDER LTD→ 12941550 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BRANCH-MADE LTD→ 13028104 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CASK AGED LTD→ 15581843 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CELLAR DOOR BREWING COMPANY LTD→ 13306831 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CHAOS MAKES CAKE LIMITED→ 14197565 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CHEDDAR SPRING WATER LIMITED→ 05212659 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| CHEW VALLEY DISTILLERY LTD→ 12512156 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| CIDERHEAD LTD→ 12342682 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CITYBORDERSSPIRITCO. LTD→ 14563140 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CLEVEDON KOMBUCHA LTD→ 16161518 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CLIFTON COFFEE COMPANY LIMITED→ 05235341 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| CLIFTON COFFEE ROASTERS LIMITED→ 16957378 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2004-08-23
Jurisdictionengland-wales
Primary SIC11070 — SIC 11070
Registered office
Carscliffe
Upper Draycott Road
Cheddar
Somerset
BS27 3YL
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-03-07
Last: 2026-02-21
Officers (5 active · 0 resigned)
Active
URCH, David Lawrence→
Activedirector · ~75y · appointed 2004-08-23
View their other companies + combined net worth →
URCH, Duncan Winston→
Activedirector · ~46y · appointed 2004-08-23
View their other companies + combined net worth →
URCH, Tabitha Sarah-Jane→
Activedirector · ~48y · appointed 2004-08-23
View their other companies + combined net worth →
URCH, Virginia→
Activedirector · ~74y · appointed 2004-08-23
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 06/03/2018 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Debenture | 1 property | 12/10/2010 | 23/04/2018 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 01/08/2008 | 11/04/2009 | |
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 07/11/2005 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (59 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-10-30
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-10-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-07-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-07-14