KEPTIE BAKERY LIMITED

🌳Matureactive
SC288804 · ltd · incorporated 2005-08-11
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 15.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£138.9k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Manufacture of bread; manufacture of fresh pastry goods and cakes
Sector: Manufacturing
ALSO REGISTERED FOR
  • 47240Retail sale of bread, cakes, flour confectionery and sugar confectionery in specialised stores
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 78/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

4 live charges · oldest 15.4y

65/100
clean up first

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

  • · Oldest live charge is 15.4 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 (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
57 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £138,938
Net assets shrinking
Down £340 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£139k
~ YoY
Current Assets
£33k
↓ 14% YoY
Current Liabilities
—
£0£28k£56k£84k£111k£139kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-12-312023-12-31
Total assets£181.1k£203.5k
Current assets£32.8k£38.0k
Net assets£138.9k£139.3k

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-07-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-05-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-03-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-03-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-08-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2021-08-13
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  7. 2021-03-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-06-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-07-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-05-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-04-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-06-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2016-01-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2016-01-27
    🔒
    Charge registered #4
    Lender: Clydesdale Bank PLC
  15. 2015-09-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-08-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2010-12-22
    🔒
    Charge registered #3
    Lender: Clydesdale Bank PLC
  18. 2010-12-22
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  19. 2010-12-16
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC
  20. 2005-08-11
    🏢
    Company incorporated
    As KEPTIE BAKERY LIMITED
  21. 2005-08-11
    ➕
    EATON, Jane Marissa appointed
    secretary
  22. 2005-08-11
    ➕
    EATON, Allan Albert appointed
    director
  23. 2005-08-11
    ➕
    EATON, Jane Marissa appointed
    director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100
Strong succession signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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
Mrs Jane Eaton
Individual · British · DOB 04/1979 · age 47
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence11/08/2016
Mr Allan Albert Eaton
Individual · British · DOB 02/1978 · age 48
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence11/08/2016

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
Incorporated2005-08-11
Jurisdictionscotland
Primary SIC10710 — Manufacture of bread; manufacture of fresh pastry goods and cakes

Registered office

Windsor Cottage, 4 West Terrace
Ferryden
Montrose
Angus
DD10 9RQ

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-25
Last: 2025-08-11

Officers (3 active · 0 resigned)

EATON, Jane Marissa→
secretary · appointed 2005-08-11
View their other companies + combined net worth →
Active
EATON, Allan Albert→
director · ~48y · appointed 2005-08-11
View their other companies + combined net worth →
Active
EATON, Jane Marissa→
director · ~47y · appointed 2005-08-11
View their other companies + combined net worth →
Active

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

Mortgages & charges

4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
A registered charge1 property27/01/2016—
outstanding
Virgin Money
Clydesdale Bank PLC
Standard security1 property22/12/2010—
outstanding
Virgin Money
Clydesdale Bank PLC
Standard security1 property22/12/2010—
outstanding
Virgin Money
Clydesdale Bank PLC
Floating charge1 property16/12/2010—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (57 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-15
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-13
change-person-director-company-with-change-date
officers · CH01
2021-08-13
change-person-secretary-company-with-change-date
officers · CH03
2021-08-13
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-14
accounts-with-accounts-type-micro-entity
accounts · AA
2020-06-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-16