CTO HOLDINGS LIMITED

🌳Matureactive
NI044636 · ltd · incorporated 2002-11-08
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: SIC 10890
Sector: Manufacturing
Investor take
Pursue
Active trading company with a 79-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 67/100. Strong seller-intent signal (73/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 20.4y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 20.4 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
8 officers (5 active, 8 linked, 7 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2026-04-10
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2025-04-02
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2024-03-28
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  4. 2023-03-31
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2022-03-31
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2021-04-12
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2020-07-27
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2020-06-29
    ➕
    MCCANN, Fergal Cornelius appointed
    director
  9. 2020-04-16
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  10. 2019-03-29
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2019-03-21
    ➖
    ALLEN, Paul Martin resigned
    director
  12. 2019-03-21
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2018-04-05
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  14. 2017-04-03
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2016-03-11
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  16. 2015-11-09
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2015-04-01
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  18. 2009-08-07
    🔒
    Charge registered #3
    Lender: Ulster Bank Ireland Limited
  19. 2009-03-30
    🔓
    Charge satisfied #2
  20. 2008-12-02
    🔓
    Charge satisfied #1
  21. 2006-01-13
    🔒
    Charge registered #2
    Lender: Proter & Gamble Product (UK) Limited
  22. 2006-01-13
    🔒
    Charge registered #1
    Lender: Proctor & Gamble Product Supply (UK) Limited
  23. 2006-01-10
    ➕
    ALLEN, Paul Martin appointed
    director
  24. 2003-05-06
    ➕
    HUTCHINSON, Raymond Latimer appointed
    director
  25. 2003-05-06
    ➕
    HUTCHINSON, Stephen Thomas Alexander appointed
    director
  26. 2002-11-25
    ➕
    HUTCHINSON-KANE, Anne Alexandra appointed
    director
  27. 2002-11-25
    ➖
    HARRISON, Malcolm Joseph resigned
    director
  28. 2002-11-25
    ➖
    KANE, Dorothy May resigned
    director
  29. 2002-11-08
    🏢
    Company incorporated
    As CTO HOLDINGS LIMITED
  30. 2002-11-08
    ➕
    HUTCHINSON, Stephen Thomas Alexander appointed
    secretary
  31. 2002-11-08
    ➕
    HARRISON, Malcolm Joseph appointed
    director
  32. 2002-11-08
    ➕
    KANE, Dorothy May appointed
    director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 79 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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.)

Group structure

Tayto Group (Manufacturing) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Tayto Group (Manufacturing) Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
CTO HOLDINGS LIMITED
This company · NI044636

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%
NameSharesVoting rightsNature of controlNotified
Tayto Group (Manufacturing) Limited
Corporate entity
75–100%
—75-100% shares06/04/2016

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

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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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
Incorporated2002-11-08
Jurisdictionnorthern-ireland
Primary SIC10890 — SIC 10890

Registered office

Castle Factory
Tandragee
Co Armagh
BT62 2AB

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-28
Confirmation statement
Next due: 2026-11-22
Last: 2025-11-08

Officers (5 active · 3 resigned)

HUTCHINSON, Stephen Thomas Alexander→
secretary · appointed 2002-11-08
View their other companies + combined net worth →
Active
HUTCHINSON, Raymond Latimer→
director · ~77y · appointed 2003-05-06
View their other companies + combined net worth →
Active
HUTCHINSON, Stephen Thomas Alexander→
director · ~68y · appointed 2003-05-06
View their other companies + combined net worth →
Active
HUTCHINSON-KANE, Anne Alexandra→
director · ~79y · appointed 2002-11-25
View their other companies + combined net worth →
Active
MCCANN, Fergal Cornelius→
director · ~60y · appointed 2020-06-29
View their other companies + combined net worth →
Active
ALLEN, Paul Martin→
director · ~58y · appointed 2006-01-10 · resigned 2019-03-21
Resigned
HARRISON, Malcolm Joseph→
director · ~52y · appointed 2002-11-08 · resigned 2002-11-25
Resigned
KANE, Dorothy May→
director · ~90y · appointed 2002-11-08 · resigned 2002-11-25
Resigned

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

Mortgages & charges

3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
NatWest Group
Ulster Bank Ireland Limited / Ulster Bank Limited
Debenture1 property07/08/2009—
satisfied
Proter & Gamble Product (UK) / Proter & Gamble Product (UK)
Proter & Gamble Product (UK) Limited / Proter & Gamble Product (UK) Limited
Debenture1 property13/01/200630/03/2009
satisfied
Proctor & Gamble Product Supply (UK)
Proctor & Gamble Product Supply (UK) Limited
Mortgage or charge1 property13/01/200602/12/2008
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (83 total)

accounts-with-accounts-type-dormant
accounts · AA
2026-04-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-10
accounts-with-accounts-type-dormant
accounts · AA
2025-04-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-08
accounts-with-accounts-type-dormant
accounts · AA
2024-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-08
accounts-with-accounts-type-dormant
accounts · AA
2023-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-08
accounts-with-accounts-type-dormant
accounts · AA
2022-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-08
accounts-with-accounts-type-dormant
accounts · AA
2021-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-11
appoint-person-director-company-with-name-date
officers · AP01
2020-07-27
accounts-with-accounts-type-dormant
accounts · AA
2020-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-20