COSY CALF LIMITED

💤Zombieactive
08567471 · ltd · incorporated 2013-06-13
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
Upgrade to see
Turnover
year to Jun 2025
Net worth
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Agents selling agricultural raw materials, live animals, textile raw materials and semi-finished goods
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 12.6y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 12.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (78/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Average employees100100

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal 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

Last 30 days
1
filing
  • 1 confirmation-statement
Last 90 days
1
filing
  • 1 confirmation-statement
Last 180 days
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2025-09-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-10-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-05-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-05-10
    🔓
    Charge satisfied #1
  5. 2023-11-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-01-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-01-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-06-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2021-02-11
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  10. 2021-01-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2021-01-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2021-01-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2021-01-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2020-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2020-01-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2018-01-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2013-12-04
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  19. 2013-06-13
    🏢
    Company incorporated
    As COSY CALF LIMITED
  20. 2013-06-13
    TURNER, Amanda appointed
    director

Owner dependency

88/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.
  • +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

78/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 13 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs Amanda Turner
Individual · British · DOB 10/1962 · age 64
5075%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016
1 historic (ceased) PSC
  • Mr Howard Charles Fosterceased 31/03/2019· 25-50% shares · 25-50% voting · board control

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2013-06-13
Jurisdictionengland-wales
Primary SIC46110 — Agents selling agricultural raw materials, live animals, textile raw materials and semi-finished goods

Registered office

C/O Hunts Accountants The Old Pump House
Oborne Road
Sherborne
Dorset
DT9 3RX

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-06-27
Last: 2026-06-13

Officers (1 active · 0 resigned)

TURNER, Amanda
director · ~64y · appointed 2013-06-13
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property04/12/201310/05/2024

Recent filings (35 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-16
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-14
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-10
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-14
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-24
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-17
change-person-director-company-with-change-date
officers · CH01
2021-06-16
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2021-02-11
change-person-director-company-with-change-date
officers · CH01
2021-01-19