LOLA'S CUPCAKES LIMITED
Opportunity 75/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (78/100).
Refinance opportunity
5 live charges · 5 lenders · oldest 13.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 13.6 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 |
|---|---|
| Turnover | £26.17M |
| Gross profit | £16.31M |
| Operating profit | £2.07M |
| Profit before tax | £2.11M |
| Average employees | 41000 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 mortgage
Corporate timeline (54 events)Click to expand
- 2025-12-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-26🔒Charge registered #5Lender: Glas Trust Corporation Limited (As Security Agent and Trustee for the Beneficiaries)
- 2025-11-10📄resolutionresolution · RESOLUTIONS
- 2025-11-10📄memorandum-articlesincorporation · MA
- 2025-11-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-31🔒Charge registered #4Lender: Glas Trust Corporation Limited (As Security Agent)
- 2025-10-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-21🔓Charge satisfied #3
- 2025-09-10📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2025-08-18📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-08-18📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2025-08-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-18📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-08-15➕ONE ADVISORY LIMITED appointedcorporate-secretary
- 2025-08-15➕BUDWIG, Mario Kurt appointeddirector
- 2025-08-15➕DUFFY, John Gerald appointeddirector
- 2025-08-15➕HILL, Steven Paul appointeddirector
- 2025-08-15➕STADDON, Simon Charles appointeddirector
- 2025-08-15➖BUDWIG, Debra Ruth resignedsecretary
- 2025-08-15➖JAYSON, Geoffrey Russell resigneddirector
- 2025-06-25📄accounts-with-accounts-type-fullaccounts · AA
- 2025-01-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-28🔓Charge satisfied #2
- 2024-07-12📄accounts-with-accounts-type-fullaccounts · AA
- 2024-06-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-06-28🔓Charge satisfied #1
- 2023-09-29📄accounts-with-accounts-type-fullaccounts · AA
- 2022-10-17📄accounts-with-accounts-type-fullaccounts · AA
- 2021-12-29📄accounts-with-accounts-type-fullaccounts · AA
- 2016-02-11🔒Charge registered #3Lender: Santander UK PLC
- 2014-03-03🔒Charge registered #2Lender: Heathside Investments Limited
- 2013-12-08➖JOSSEL, Victoria resigneddirector
- 2013-01-29➖BUDWIG, Mario Kurt resigneddirector
- 2012-10-10🔒Charge registered #1Lender: Blueco Limited
- 2012-07-10➕BUDWIG, Debra Ruth appointedsecretary
- 2012-07-10➖BUDWIG, Mario Kurt resignedsecretary
- 2012-07-10➕JAYSON, Geoffrey Russell appointeddirector
- 2011-12-09➕BUDWIG, Asher Scott Jose appointeddirector
- 2011-12-09➕BUDWIG, Mario Kurt appointedsecretary
- 2011-12-09➖LEWIS, Romy resignedsecretary
- 2011-12-09➕BUDWIG, Mario Kurt appointeddirector
- 2011-12-09➖JOSSEL, Neville resigneddirector
- 2011-12-09➖LEWIS, Romy resigneddirector
- 2009-06-15➕JOSSEL, Victoria appointeddirector
- 2007-07-02➖JOSSEL, Victoria resigneddirector
- 2006-09-25➕JOSSEL, Neville appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BUDWIG, Debra Ruth resigned 2025-08-15; JAYSON, Geoffrey Russell resigned 2025-08-15
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Lola's Cupcakes (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Lola's Cupcakes (Holdings) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 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.
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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 →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 (6 active · 9 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Glas Trust Corporation (As Security Agent and Trustee for the Beneficiaries) Glas Trust Corporation Limited (As Security Agent and Trustee for the Beneficiaries) | A registered charge | 1 property | 26/11/2025 | — | |
| outstanding | Glas Trust Corporation (As Security Agent) Glas Trust Corporation Limited (As Security Agent) | A registered charge | 1 property | 31/10/2025 | — | |
| satisfied | Santander Santander UK PLC | A registered charge | — | 11/02/2016 | 21/10/2025 | |
| satisfied | Heathside Investments Heathside Investments Limited | A registered charge | 1 property | 03/03/2014 | 28/01/2025 | |
| satisfied | Blueco Blueco Limited | Legal charge pursuant to rent deposit deed | 1 property | 10/10/2012 | 28/06/2024 |