CRUST & CRUMB BAKERY LTD

🌳Matureactive

NI608062 · ltd · incorporated 2011-06-29

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 10.8y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

£93.16M

year to Jun 2025

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: SIC 10890

Sector: Manufacturing

Investor take

Pursue

Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 76). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (78/100).

🏦

Refinance opportunity

2 live charges · oldest 10.8y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 10.8 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

8 officers (5 active, 8 linked, 5 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

6 connected companies via shared directors

Filing history

53 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Profitable

Profit before tax £1,738,900

Turnover YoY

+5%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-06-30	2024-06-30
Turnover	£93.16M	£88.52M
Gross profit	£9.32M	£9.04M
Operating profit	£1.96M	£2.24M
Profit before tax	£1.74M	£2.04M
Average employees	25700	23200

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

🔒Filing-note intelligence

3 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

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (32 events)Click to expand

2026-03-27
📄
accounts-with-accounts-type-full
accounts · AA
2025-03-28
📄
accounts-with-accounts-type-full
accounts · AA
2024-03-27
📄
accounts-with-accounts-type-full
accounts · AA
2023-06-30
📄
accounts-with-accounts-type-full
accounts · AA
2022-03-31
📄
accounts-with-accounts-type-full
accounts · AA
2021-07-01
📄
accounts-with-accounts-type-full
accounts · AA
2021-03-24
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-03-19
➕
MCCAFFREY, Mark appointed
director
2020-11-02
➕
MCCAFFREY, Mary Dolores appointed
secretary
2020-11-02
➖
MCANDREW, Colin Michael, Mr. resigned
secretary
2020-11-02
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2020-11-02
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2020-04-14
📄
accounts-with-accounts-type-full
accounts · AA
2020-01-03
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2020-01-03
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2019-04-05
📄
change-person-director-company-with-change-date
officers · CH01
2019-04-05
📄
change-person-director-company-with-change-date
officers · CH01
2019-04-02
📄
accounts-with-accounts-type-full
accounts · AA
2019-03-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-03-20
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2019-03-20
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2019-03-14
➕
COLLYER, Stephen Derek, Mr. appointed
director
2019-03-14
➕
MCANDREW, Colin Michael, Mr. appointed
secretary
2019-03-14
➖
SOLOD, Svitlana resigned
secretary
2018-10-15
🔒
Charge registered #2
Lender: Northern Bank Limited
2018-07-01
➕
O'LEARY, Fintan appointed
director
2016-03-01
➕
SOLOD, Svitlana appointed
secretary
2015-08-06
🔒
Charge registered #1
Lender: Northern Bank Limited
2013-06-20
➖
SOLOD, Svitlana resigned
director
2012-11-16
➕
SOLOD, Svitlana appointed
director
2011-06-29
🏢
Company incorporated
As CRUST & CRUMB BAKERY LTD
2011-06-29
➕
MCCAFFREY, Mary Dolores appointed
director

Owner dependency

63/100

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.
+Founder age: Director aged approximately 76 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 15 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.)

Group structure

Annagh Properties Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Annagh Properties Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

CRUST & CRUMB BAKERY LTD

This company · NI608062

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%

Name	Shares	Voting rights	Nature of control	Notified
Annagh Properties Limited Corporate entity	75–100%	75–100%	board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · trust interest	18/12/2019

1 historic (ceased) PSC

Mrs Mary Dolores Mccaffreyceased 18/12/2019· significant influence

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 →

Similar companies

Active · Food & drink · BT postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AVONDALE FOODS (CRAIGAVON) LIMITED→ NI015099 · est 1981	£28.26M £20.83M–£35.70M	—	—	570	44y	88	80y
MCKEOWN FINE FOODS LIMITED→ NI033660 · est 1998	£16.23M £11.96M–£20.50M	£24.93M	—	12300	28y	90	53y
SCOTTS BAKERY LIMITED→ NI043594 · est 2002	£14.57M £10.74M–£18.41M	£39.89M	—	26100	23y	87	61y
C & O MILLIGAN (N.I.) LIMITED→ NI034232 · est 1998	£13.64M £10.05M–£17.23M	£13.50M	—	1400	28y	87	82y
JOHN WOODS (LISGLYN) LIMITED→ NI006498 · est 1965	£8.05M £5.93M–£10.17M	£18.92M	—	8900	60y	91	85y
T.J. BOOTH & SONS LIMITED→ NI014628 · est 1980	£8.02M £5.91M–£10.13M	£28.44M	—	1900	45y	87	80y
CHESTNUTT ANIMAL FEEDS LIMITED→ NI602522 · est 2010	£4.22M £3.11M–£5.33M	—	—	2800	16y	87	67y
DOHERTY & GRAY LIMITED→ NI037742 · est 2000	£1.85M £1.36M–£2.33M	£54.04M	—	9200	26y	100	63y
PUNJANA LIMITED→ NI003724 · est 1956	£1.46M £1.08M–£1.85M	£13.41M	—	4800	69y	96	73y
LW SURPHLIS & SON LTD→ NI613058 · est 2012	£348.2k £256.6k–£439.8k	—	—	51	13y	85	80y
PATTON'S BAKERY LIMITED→ NI607679 · est 2011	—	—	—	5000	14y	89	52y
ELLIOTT'S TRADITION LIMITED→ NI055163 · est 2005	—	—	—	1800	21y	87	84y

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

Incorporated2011-06-29

Jurisdictionnorthern-ireland

Primary SIC10890 — SIC 10890

Registered office

37 Main Street

Mullyneeny

Derrylin

Co. Fermanagh

BT92 9JZ

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-07-13

Last: 2025-06-29

Officers (5 active · 3 resigned)

MCCAFFREY, Mary Dolores→

secretary · appointed 2020-11-02

View their other companies + combined net worth →

Active

COLLYER, Stephen Derek, Mr.→

director · ~63y · appointed 2019-03-14

View their other companies + combined net worth →

Active

MCCAFFREY, Mark→

director · ~53y · appointed 2021-03-19

View their other companies + combined net worth →

Active

MCCAFFREY, Mary Dolores→

director · ~76y · appointed 2011-06-29

View their other companies + combined net worth →

Active

O'LEARY, Fintan→

director · ~53y · appointed 2018-07-01

View their other companies + combined net worth →

Active

MCANDREW, Colin Michael, Mr.→

secretary · appointed 2019-03-14 · resigned 2020-11-02

Resigned

SOLOD, Svitlana→

secretary · appointed 2016-03-01 · resigned 2019-03-14

Resigned

SOLOD, Svitlana→

director · ~43y · appointed 2012-11-16 · resigned 2013-06-20

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Northern Bank Northern Bank Limited	A registered charge	1 property	15/10/2018	—
	outstanding	Northern Bank Northern Bank Limited	A registered charge	—	06/08/2015	—

Click column headers to sort. Use filters above to narrow by status and lender.