ON A ROLL SANDWICH COMPANY LIMITED
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (80/100, director aged 62). 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 (85/100).
Refinance opportunity
5 live charges · 3 lenders · oldest 18.3y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 18.3 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: medium (78/100)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
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 | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Turnover | £41.03M | £39.59M |
| Gross profit | £9.38M | £8.74M |
| Operating profit | £3.20M | £3.32M |
| Profit before tax | £3.26M | £3.31M |
| Average employees | 28700 | 25300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 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
- • 3 capital
- • 1 change-of-constitution
- • 1 incorporation
- • 3 capital
- • 1 change-of-constitution
- • 1 incorporation
Corporate timeline (34 events)Click to expand
- 2026-06-19📄statement-of-companys-objectschange-of-constitution · CC04
- 2026-06-19📄capital-alter-shares-subdivisioncapital · SH02
- 2026-06-19📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2026-06-19📄capital-name-of-class-of-sharescapital · SH08
- 2026-06-19📄memorandum-articlesincorporation · MA
- 2026-06-19📄resolutionresolution · RESOLUTIONS
- 2025-10-23📄accounts-with-accounts-type-fullaccounts · AA
- 2024-10-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-30🔓Charge satisfied #3
- 2024-10-23📄accounts-with-accounts-type-fullaccounts · AA
- 2024-10-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-11🔓Charge satisfied #5
- 2024-10-11🔓Charge satisfied #4
- 2024-10-11🔓Charge satisfied #1
- 2023-10-23📄accounts-with-accounts-type-fullaccounts · AA
- 2022-10-27📄accounts-with-accounts-type-fullaccounts · AA
- 2021-10-26📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-06📄accounts-with-accounts-type-fullaccounts · AA
- 2020-11-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-28🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 2019-11-04📄accounts-with-accounts-type-fullaccounts · AA
- 2015-04-02🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2009-09-07🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2008-10-09🔒Charge registered #2Lender: Rbs Invoice Finance Limited
- 2008-04-18🔒Charge registered #1Lender: Royal Bank of Scotland PLC
- 2006-11-10🏢Company incorporatedAs ON A ROLL SANDWICH COMPANY LIMITED
- 2006-11-10➕STODDART, Helen Beverley appointedsecretary
- 2006-11-10➕STODDART, James Mclay appointeddirector
- 2006-11-10➕JL NOMINEES TWO LIMITED appointedcorporate-nominee-secretary
- 2006-11-10➖JL NOMINEES TWO LIMITED resignedcorporate-nominee-secretary
- 2006-11-10➕JL NOMINEES ONE LIMITED appointedcorporate-nominee-director
- 2006-11-10➖JL NOMINEES ONE 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.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 20 years.
- secondaryStable-but-static management: Company is 20 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 |
|---|---|---|---|---|
Mrs Helen Beverley Stoddart Individual · British · DOB 05/1963 · age 63 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mr James Mclay Stoddart Individual · British · DOB 04/1964 · age 62 | 25–50% | 25–50% | board control25-50% shares · 25-50% 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.
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 (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 28/10/2020 | 11/10/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 02/04/2015 | 11/10/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 07/09/2009 | 30/10/2024 | |
| outstanding | NatWest Group Rbs Invoice Finance Limited | Fixed charge on non-vesting debts and floating charge | 3 properties | 09/10/2008 | — | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Legal charge | 1 property | 18/04/2008 | 11/10/2024 |