J & S DAIRYING LIMITED
Opportunity 79/100 (strong), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 0.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 0.7 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (79/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | £208.3k | £248.6k |
| Current assets | — | £159.1k |
| Cash | £100.6k | £140.3k |
| Debtors | — | £18.8k |
| Net assets | £102.5k | £129.7k |
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 confirmation-statement
Corporate timeline (28 events)Click to expand
- 2025-10-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-23🔒Charge registered #1Lender: Oxbury Bank PLC
- 2025-08-18📄capital-name-of-class-of-sharescapital · SH08
- 2025-08-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-21➕LORD, Edward appointeddirector
- 2024-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-06-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-06-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-09-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-08📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2023-08-08📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-08-07➕LORD, Samantha appointedsecretary
- 2023-08-07➕LORD, Samantha appointeddirector
- 2023-08-07➖COMPANY SECRETARIES (CHESTER) LTD resignedcorporate-secretary
- 2023-08-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-18➕COMPANY SECRETARIES (CHESTER) LTD appointedcorporate-secretary
- 2020-02-18📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2019-04-08📄capital-name-of-class-of-sharescapital · SH08
- 2019-02-18➖COMPANY SECRETARIES (CHESTER) LTD resignedcorporate-secretary
- 2019-02-05🏢Company incorporatedAs J & S DAIRYING LIMITED
- 2019-02-05➕LORD, Jason Melvyn appointeddirector
- 2019-02-05➕COMPANY SECRETARIES (CHESTER) LTD appointedcorporate-secretary
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jason Melvyn Lord Individual · British · DOB 01/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/02/2024 |
Mrs Samantha Lord Individual · British · DOB 04/1966 · age 60 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/02/2024 |
1 historic (ceased) PSC
- Mr Jason Melvyn Lordceased 01/02/2024· 75-100% shares · 75-100% voting · board control
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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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 (4 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Oxbury Bank Oxbury Bank PLC | A registered charge | — | 23/10/2025 | — |