BAKERY DIRECT LIMITED
Opportunity 72/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
1 live charge · oldest 9.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 9.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £75.9k | £123.4k |
| Current assets | £37.5k | £31.4k |
| Cash | £12.4k | £14.8k |
| Debtors | £801 | £2.7k |
| Net assets | £72.8k | £99.0k |
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
- • 2 officers
- • 1 accounts
- • 2 officers
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2026-03-30➖SUTCH, Anthony James resigneddirector
- 2026-03-30➖SUTCH, Julia Mary resigneddirector
- 2026-03-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-11-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-31➕COLE, Timothy David appointeddirector
- 2025-10-31➕MEYRICK, Abigail Louise appointeddirector
- 2025-02-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-02-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-05-31🔒Charge registered #1Lender: National Westminster Bank PLC
- 2011-06-10🏢Company incorporatedAs BAKERY DIRECT LIMITED
- 2011-06-10➕SUTCH, Anthony James appointeddirector
- 2011-06-10➕SUTCH, Julia Mary appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: SUTCH, Anthony James resigned 2026-03-30; SUTCH, Julia Mary resigned 2026-03-30
Group structure
T&Ac 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 |
|---|---|---|---|---|
T&Ac Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 31/10/2025 |
2 historic (ceased) PSCs
- Mrs Julia Mary Sutchceased 31/10/2025· 25-50% shares · 25-50% voting
- Mr Anthony James Sutchceased 31/10/2025· 25-50% shares · 25-50% voting
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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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 →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 | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 31/05/2017 | — |