EVERYDAY CHAMPIONS LTD
- · Oldest live charge 17.7y old — refinance window within 12 months
Opportunity 67/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
6 live charges · 2 lenders · oldest 17.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 17.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (72/100)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.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key 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 | £2.33M | £3.06M |
| Current assets | £145.4k | £16.4k |
| Cash | £142.1k | £9.1k |
| Debtors | £3.3k | £7.3k |
| Net assets | £2.08M | £2.22M |
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 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (83 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-12➕RYLANCE, Christopher Watson appointeddirector
- 2025-11-10➖RHODES, Paul David resigneddirector
- 2025-08-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-28🔓Charge satisfied #6
- 2024-08-20✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-08-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-07-03📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-07-02📄gazette-notice-compulsorygazette · GAZ1
- 2024-03-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-01➕MUOKA, Okwudili Emmanuel appointeddirector
- 2024-01-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-31➖DAVIES, Andrew, Professor resigneddirector
- 2023-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-10➖GILL, Samuel Peter resigneddirector
- 2022-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-12-06📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-23➕RHODES, Paul David appointeddirector
- 2022-05-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-05-01➖BUTTON, Lee Richard resigneddirector
- 2021-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-23➕POUCHER, Kelly Anne appointeddirector
- 2019-11-23➖DAVIS, Timothy Andreas resigneddirector
- 2019-10-21➕SIVERS, Michael John appointeddirector
- 2019-10-21➕GILL, Samuel Peter appointeddirector
- 2019-10-21➖LOADES, Jonathan William resigneddirector
- 2019-10-21➖MORGAN, Gareth Edward resigneddirector
- 2016-08-31➖BOSOMWORTH, Paul Charles Robert resigneddirector
- 2016-08-31➖JONES, Grayson Edward resigneddirector
- 2016-08-01➕BUTTON, Lee Richard appointeddirector
- 2015-08-13➕LOADES, Jonathan William appointeddirector
- 2015-06-11➕DAVIES, Andrew, Professor appointeddirector
- 2015-06-02➖BROMPTON, Alexander Jason resigneddirector
- 2014-06-30➕BOSOMWORTH, Paul Charles Robert appointeddirector
- 2014-06-30➕DAVIS, Timothy Andreas appointeddirector
- 2014-06-30➖TYRRELL, Robert Sean resigneddirector
- 2014-06-30➖WIDDOP, Justin resigneddirector
- 2013-11-01➕SIVERS, Michael John appointedsecretary
- 2013-11-01➕BROMPTON, Alexander Jason appointeddirector
- 2013-03-31➖GREENACRE, James Peter resigneddirector
- 2012-12-07➖HARRIS, Bethia Phebe resignedsecretary
- 2012-06-26➖EVANS, Beth Jodie-Lee resignedsecretary
- 2012-06-26➕HARRIS, Bethia Phebe appointedsecretary
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -4 active directors: Broader management team in place — suggests transferable governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
Red flags
1 med · 2 lowName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-08-20: certificate-change-of-name-company
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Multiple address changes in a short period can indicate operational instability or admin disorder.
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 · 25 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 30/03/2012 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 2 properties | 30/03/2012 | 28/11/2024 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 30/03/2012 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 30/03/2012 | — | |
| outstanding | The Charity Bank The Charity Bank Limited | Legal charge | 1 property | 09/11/2010 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 30/09/2008 | — |