HUTTON STONE CO. LTD.
- · Thesis: well-run, low negotiation leverage
Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (83/100, director aged 86). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
5 live charges · 3 lenders · oldest 28.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 28.3 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
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 | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £2.90M | £2.80M |
| Current assets | £1.05M | £1.75M |
| Cash | £388.0k | £527.2k |
| Debtors | £467.7k | £993.8k |
| Net assets | £1.94M | £2.06M |
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
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (30 events)Click to expand
- 2025-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-02🔒Charge registered #5Lender: Barclays Security Trustee Limited
- 2023-07-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-07-28🔓Charge satisfied #1
- 2020-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-19📄capital-allotment-sharescapital · SH01
- 2019-06-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-06-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-06-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2018-06-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-12-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-06-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-01-09🔒Charge registered #4Lender: Barclays Bank PLC
- 2016-10-31🔒Charge registered #3Lender: Barclays Bank PLC
- 2014-08-04➖PAINE, Pamela Joan resigneddirector
- 2014-05-30🔓Charge satisfied #2
- 2003-04-11🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1998-02-26🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1994-06-15🏢Company incorporatedAs HUTTON STONE CO. LTD.
- 1994-06-15➕PAINE, Stephen William appointedsecretary
- 1994-06-15➕PAINE, Marcus James appointeddirector
- 1994-06-15➕PAINE, Stephen William appointeddirector
- 1994-06-15➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 1994-06-15➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 1994-06-15➕PAINE, Pamela Joan appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 86 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 86 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 32 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
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr. Marcus James Paine Individual · British · DOB 09/1967 · age 59 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
Mr Stephen William Paine Individual · British · DOB 04/1940 · age 86 | — | — | sig. influencesignificant influence | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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8 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 · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | 1 property | 02/05/2024 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 09/01/2017 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 31/10/2016 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 11/04/2003 | 30/05/2014 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 26/02/1998 | 28/07/2020 |