BACCHUS (ST ANDREWS) LTD.

🌳Matureactive
SC251347 · ltd · incorporated 2003-06-18
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 22.4y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£227.9k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 22.4y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 22.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (76/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
62 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £227,854

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£228k
↑ 2.6% YoY
Current Assets
£366k
↓ 2.7% YoY
Current Liabilities
—
£0£75k£151k£226k£301k£376kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£273.5k£285.2k
Current assets£366.0k£376.3k
Net assets£227.9k£222.1k

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

🔒Filing-note intelligence

2 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-06-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-10-14
    ➖
    CUBBAGE, Jill resigned
    secretary
  3. 2024-10-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2024-10-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2024-10-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2024-10-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-10-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2024-10-14
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  9. 2024-10-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2024-06-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2023-06-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-06-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-05-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2020-06-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-06-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-03-08
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  18. 2003-12-16
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  19. 2003-06-18
    🏢
    Company incorporated
    As BACCHUS (ST ANDREWS) LTD.
  20. 2003-06-18
    ➕
    CUBBAGE, Alan appointed
    director
  21. 2003-06-18
    ➕
    CUBBAGE, Jill appointed
    director
  22. 2003-06-18
    ➕
    CUBBAGE, Jill appointed
    secretary
  23. 2003-06-18
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  24. 2003-06-18
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  25. 2003-06-18
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  26. 2003-06-18
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

91/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Alan Cubbage
Individual · British · DOB 02/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Jill Cubbage
Individual · British · DOB 07/1960 · age 66
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • Mrs Jill Cubbageceased 14/10/2024· 25-50% shares · 25-50% voting

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

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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
Incorporated2003-06-18
Jurisdictionscotland
Primary SIC47789 — Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)

Registered office

142 Market Street
St. Andrews
Fife
KY16 9PD

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-06-21
Last: 2025-06-07

Officers (2 active · 3 resigned)

CUBBAGE, Alan→
director · ~64y · appointed 2003-06-18
View their other companies + combined net worth →
Active
CUBBAGE, Jill→
director · ~66y · appointed 2003-06-18
View their other companies + combined net worth →
Active
CUBBAGE, Jill→
secretary · appointed 2003-06-18 · resigned 2024-10-14
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2003-06-18 · resigned 2003-06-18
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2003-06-18 · resigned 2003-06-18
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property16/12/2003—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (62 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-30
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-10-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-10-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-14
change-person-director-company-with-change-date
officers · CH01
2024-10-14
change-person-director-company-with-change-date
officers · CH01
2024-10-14
termination-secretary-company-with-name-termination-date
officers · TM02
2024-10-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-07