W. M. MUSTARD & SON LIMITED
- · Oldest live charge 15.7y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
2 live charges · oldest 15.7y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 15.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)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.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Average employees | 2300 | 2700 |
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
Corporate timeline (36 events)Click to expand
- 2025-09-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-26🔓Charge satisfied #2
- 2025-06-26🔓Charge satisfied #1
- 2025-06-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-01➕MUSTARD, Eileen Mostyn appointeddirector
- 2023-09-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-19📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-19📄change-person-director-company-with-change-dateofficers · CH01
- 2023-06-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-16📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-12-15📄capital-allotment-sharescapital · SH01
- 2020-12-01➕MUSTARD, Kerr James appointeddirector
- 2020-07-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-03➕MUSTARD, Jack William appointeddirector
- 2014-07-24🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2011-01-01➖MUSTARD, Margaret resignedsecretary
- 2010-08-19🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2004-07-27➖MUSTARD SNR, William resigneddirector
- 2003-09-12➕MUSTARD, William appointeddirector
- 2003-09-12➕MUSTARD, Margaret appointedsecretary
- 2003-09-12➖PF & S (SECRETARIES) LIMITED resignedcorporate-secretary
- 2003-09-12➕MUSTARD SNR, William appointeddirector
- 2003-09-12➖PF & S (DIRECTORS) LIMITED resignedcorporate-director
- 2003-09-10🏢Company incorporatedAs W. M. MUSTARD & SON LIMITED
- 2003-09-10➕PF & S (SECRETARIES) LIMITED appointedcorporate-secretary
- 2003-09-10➕PF & S (DIRECTORS) LIMITED appointedcorporate-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "MUSTARD" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr William Mustard Individual · British · DOB 08/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Eileen Mostyn Mustard Individual · British · DOB 05/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | — | 24/07/2014 | 26/06/2025 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 19/08/2010 | 26/06/2025 |