FLETCHERS BAKERIES INVESTMENTS LIMITED
🌳Matureactive
05998313 · ltd · incorporated 2006-11-14
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 77/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
7 live charges · 6 lenders · oldest 19.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 19.3 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
16 officers (4 active, 16 linked, 8 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
111 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
4
filings
- • 1 accounts
- • 1 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (59 events)Click to expand
- 2026-03-27📄accounts-with-accounts-type-fullaccounts · AA
- 2025-12-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-26🔒Charge registered #7Lender: Glas Trust Corporation Limited (As Security Agent and Trustee for the Beneficiaries)
- 2025-11-14📄statement-of-companys-objectschange-of-constitution · CC04
- 2025-03-17📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-12🔒Charge registered #6Lender: Glas Trust Corporation Limited (As Security Agent for the Beneficiaries)
- 2024-03-13📄accounts-with-accounts-type-fullaccounts · AA
- 2023-12-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-12-22🔓Charge satisfied #4
- 2023-12-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-12-07🔓Charge satisfied #5
- 2023-12-06➕HILL, Steven Paul appointeddirector
- 2023-12-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-04📄accounts-with-accounts-type-fullaccounts · AA
- 2022-06-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-27🔒Charge registered #5Lender: Hsbc Corporate Trustee Company (UK) Limited as Security Trustee
- 2022-03-10📄accounts-with-accounts-type-fullaccounts · AA
- 2021-12-03📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2021-12-03📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2021-12-03📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2021-06-09📄accounts-with-accounts-type-fullaccounts · AA
- 2020-01-02📄accounts-with-accounts-type-fullaccounts · AA
- 2019-04-10📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2019-04-02➕ONE ADVISORY LIMITED appointedcorporate-secretary
- 2019-03-04➖HEENEY, Caroline resignedsecretary
- 2018-03-02🔓Charge satisfied #3
- 2018-02-22🔒Charge registered #4Lender: Hsbc Corporate Trustee Company (UK) Limited as Security Trustee
- 2017-09-13➕HEENEY, Caroline appointedsecretary
- 2017-06-15➖COX, Melanie Rachel resignedsecretary
- 2015-12-31➕COX, Melanie Rachel appointedsecretary
- 2015-12-31➖CITY GROUP PLC resignedcorporate-secretary
- 2014-11-20🔓Charge satisfied #2
- 2014-10-30➕BOYD, Stephen Alexander appointeddirector
- 2014-10-30➕DUFFY, John Gerald appointeddirector
- 2014-10-30➖DEVLIN, Paul John resignedsecretary
- 2014-10-30➕CITY GROUP PLC appointedcorporate-secretary
- 2014-10-30➖RICH, Andrew Peter resigneddirector
- 2014-10-30➖ELIOT MANAGEMENT SERVICES LLP resignedcorporate-director
- 2014-10-30🔒Charge registered #3Lender: Hsbc Corporate Trustee Company (UK) Limited
- 2013-12-04🔒Charge registered #2Lender: Abn Amro Commercial Finance PLC
- 2012-03-31➕DEVLIN, Paul John appointedsecretary
- 2012-01-10➕RICH, Andrew Peter appointeddirector
- 2012-01-10➖WORMSLEY, Alister Gerard resigneddirector
- 2010-07-29➖ELIOT MANAGEMENT SERVICES LLP resignedcorporate-secretary
- 2009-11-30➖DE PANAFIEU, Thierry Michel Marie resigneddirector
- 2009-11-30➕WORMSLEY, Alister Gerard appointeddirector
- 2009-06-30🔓Charge satisfied #1
- 2008-01-17➕ELIOT MANAGEMENT SERVICES LLP appointedcorporate-secretary
- 2008-01-17➖VISION CAPITAL GROUP LIMITED resignedcorporate-secretary
Showing most recent 50 of 59 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Fennel Acquisition Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Fennel Acquisition Limited
Corporate parent · holds 75-100% shares · board control
⬇
FLETCHERS BAKERIES INVESTMENTS LIMITED
This company · 05998313
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 |
|---|---|---|---|---|
Fennel Acquisition 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.
🔒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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|---|---|---|---|---|---|---|---|
| 1CLICK 2GO OPPORTUNITY INVESTMENT MORTGAGE BOND LTD→ 13796758 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 2 EXP FINANCIAL SERVICES LIMITED→ 10235420 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 7336 LIMITED→ 15141768 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 8C FINANCIAL SERVICES LTD→ 10210572 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A & H INDEPENDENT FINANCIAL SERVICES LTD→ 03198824 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| A C & J FINANCIAL SERVICES LTD→ 10113380 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| A D ASSET MANAGEMENT LTD→ 11532681 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| A J H WEALTH MANAGEMENT LIMITED→ 07094598 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| AA HOLDINGS BRIDGEND LTD→ 15750510 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABBY LEWIS CONSULTING LTD.→ 09125911 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ABER PROPERTY LTD→ 16819698 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABLE INSURANCE SERVICES LIMITED→ 02890075 · est 1994 · no financials extracted | — | — | — | — | 32y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2006-11-14
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Maes Y Coed Road
Cardiff
CF14 4XR
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-28
Confirmation statement
Next due: 2026-12-12
Last: 2025-11-28
Officers (4 active · 12 resigned)
ONE ADVISORY LIMITED→
Activecorporate-secretary · appointed 2019-04-02
View their other companies + combined net worth →
BOYD, Stephen Alexander→
Activedirector · ~64y · appointed 2014-10-30
View their other companies + combined net worth →
DUFFY, John Gerald→
Activedirector · ~61y · appointed 2014-10-30
View their other companies + combined net worth →
HILL, Steven Paul→
Activedirector · ~43y · appointed 2023-12-06
View their other companies + combined net worth →
COX, Melanie Rachel→
Resignedsecretary · appointed 2015-12-31 · resigned 2017-06-15
DEVLIN, Paul John→
Resignedsecretary · appointed 2012-03-31 · resigned 2014-10-30
HEENEY, Caroline→
Resignedsecretary · appointed 2017-09-13 · resigned 2019-03-04
CITY GROUP PLC→
Resignedcorporate-secretary · appointed 2014-10-30 · resigned 2015-12-31
ELIOT MANAGEMENT SERVICES LLP→
Resignedcorporate-secretary · appointed 2008-01-17 · resigned 2010-07-29
VISION CAPITAL GROUP LIMITED→
Resignedcorporate-secretary · appointed 2006-11-14 · resigned 2008-01-17
DE PANAFIEU, Thierry Michel Marie→
Resigneddirector · ~55y · appointed 2008-01-17 · resigned 2009-11-30
DE PANAFIEU, Thierry Michel Marie→
Resigneddirector · ~55y · appointed 2006-11-14 · resigned 2007-01-13
HORTON, Michael John→
Resigneddirector · ~62y · appointed 2006-11-14 · resigned 2007-01-13
RICH, Andrew Peter→
Resigneddirector · ~52y · appointed 2012-01-10 · resigned 2014-10-30
WORMSLEY, Alister Gerard→
Resigneddirector · ~59y · appointed 2009-11-30 · resigned 2012-01-10
ELIOT MANAGEMENT SERVICES LLP→
Resignedcorporate-director · appointed 2007-01-13 · resigned 2014-10-30
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
2
Outstanding
2
Active lenders
Status:Lender:7 of 7 shown
| 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 for the Beneficiaries) Glas Trust Corporation Limited (As Security Agent for the Beneficiaries) | A registered charge | — | 12/04/2024 | — | |
| satisfied | HSBC Hsbc Corporate Trustee Company (UK) Limited as Security Trustee | A registered charge | — | 27/06/2022 | 07/12/2023 | |
| satisfied | HSBC Hsbc Corporate Trustee Company (UK) Limited as Security Trustee | A registered charge | 1 property | 22/02/2018 | 22/12/2023 | |
| satisfied | HSBC Hsbc Corporate Trustee Company (UK) Limited | A registered charge | 2 properties | 30/10/2014 | 02/03/2018 | |
| satisfied | Abn Amro Commercial Finance Abn Amro Commercial Finance PLC | A registered charge | 1 property | 04/12/2013 | 20/11/2014 | |
| satisfied | Westlb Ag, London Branch as Agent and Trustee for the Secured Creditors (Facility Agent) | Security agreement | 1 property | 12/01/2007 | 30/06/2009 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (111 total)
accounts-with-accounts-type-full
accounts · AA
2026-03-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-03
statement-of-companys-objects
change-of-constitution · CC04
2025-11-14
accounts-with-accounts-type-full
accounts · AA
2025-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-18
accounts-with-accounts-type-full
accounts · AA
2024-03-13
mortgage-satisfy-charge-full
mortgage · MR04
2023-12-22
mortgage-satisfy-charge-full
mortgage · MR04
2023-12-07
appoint-person-director-company-with-name-date
officers · AP01
2023-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-06
accounts-with-accounts-type-full
accounts · AA
2023-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-06-30