FIDDLE FERN LIMITED
- · Oldest live charge 9.2y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 9.2y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Total assets | — | £694.2k |
| Current assets | — | £90.9k |
| Net assets | — | £66.1k |
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
Corporate timeline (28 events)Click to expand
- 2025-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-01📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2025-09-30📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2024-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-12-21🔒Charge registered #4Lender: Hsbc UK Bank PLC
- 2021-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-02🔒Charge registered #3Lender: Hsbc UK Bank PLC
- 2020-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-31📄change-person-director-company-with-change-dateofficers · CH01
- 2020-01-21📄change-person-director-company-with-change-dateofficers · CH01
- 2019-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-02-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-02-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-02-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-02-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-10-19➕OWEN, Annerley Rene appointeddirector
- 2018-08-29➖OWEN, Sandra Elizabeth Alice resigneddirector
- 2017-04-05🔒Charge registered #2Lender: Barclays Bank PLC
- 2017-03-06🔒Charge registered #1Lender: Barclays Bank PLC
- 2017-02-03🏢Company incorporatedAs FIDDLE FERN LIMITED
- 2017-02-03➕OWEN, Annerley Rene appointedsecretary
- 2017-02-03➕OWEN, Peter appointeddirector
- 2017-02-03➕OWEN, Sandra Elizabeth Alice appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Peter Owen Individual · British · DOB 05/1965 · age 61 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 03/02/2017 |
1 historic (ceased) PSC
- Mrs Sandra Elizabeth Alice Owenceased 29/08/2018· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 3 properties | 21/12/2021 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 02/11/2021 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 05/04/2017 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 06/03/2017 | — |