VELVETS COTTAGE LIMITED
Opportunity 71/100 (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 (58/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 7.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key 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 | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
Corporate timeline (34 events)Click to expand
- 2026-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-04-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-04-24📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2024-03-07➖DYER, Clare resigneddirector
- 2024-03-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-13📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2024-01-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-15➕DYER, Max Randolph appointeddirector
- 2023-12-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-08-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-09-27📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2022-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-18🔓Charge satisfied #3
- 2021-08-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-01➕DYER, Clare appointeddirector
- 2020-06-01➖LEVINSON, Dianne Muriel resigneddirector
- 2020-05-15🔓Charge satisfied #1
- 2020-05-15🔓Charge satisfied #2
- 2019-09-16➖DYER, Mark Randolph resigneddirector
- 2019-04-23🔒Charge registered #3Lender: Hampden & Co PLC
- 2019-04-03🔒Charge registered #1Lender: Hampden & Co PLC, 9 Charlotte Square, Edinburgh, EH2 4DR
- 2019-03-29🔒Charge registered #2Lender: Hampden & Co PLC, 9 Charlotte Square, Edinburgh, EH2 4DR
- 2019-02-08➖DYER, Clare resigneddirector
- 2019-02-08➕DYER, Mark Randolph appointeddirector
- 2019-02-08➕LEVINSON, Dianne Muriel appointeddirector
- 2018-11-07🏢Company incorporatedAs VELVETS COTTAGE LIMITED
- 2018-11-07➕DYER, Clare appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Max Randolph Dyer Individual · British · DOB 05/1994 · age 32 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 17/04/2024 |
4 historic (ceased) PSCs
- Mr Mark Randolph Dyerceased 16/09/2019· 25-50% shares
- Ms Dianne Levinsonceased 08/02/2019· 75-100% shares
- Ms Clare Dyerceased 17/01/2024· 75-100% shares · 75-100% voting · board control
- Ms Clare Dyerceased 08/02/2019· 75-100% shares
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 (1 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Hampden & Co Hampden & Co PLC | A registered charge | 1 property | 23/04/2019 | 18/08/2022 | |
| satisfied | Hampden & Co , 9 Charlotte Square, Edinburgh, EH2 4DR Hampden & Co PLC, 9 Charlotte Square, Edinburgh, EH2 4DR | A registered charge | 1 property | 03/04/2019 | 15/05/2020 | |
| satisfied | Hampden & Co , 9 Charlotte Square, Edinburgh, EH2 4DR Hampden & Co PLC, 9 Charlotte Square, Edinburgh, EH2 4DR | A registered charge | 1 property | 29/03/2019 | 15/05/2020 |