KERR'S BAKERY LIMITED
🌳Matureactive
SC294053 · ltd · incorporated 2005-12-02
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: SIC 10890
Sector: Manufacturing
Investor take
PursueActive trading company with a 60-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (80/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
7 live charges · 4 lenders · oldest 20.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 20.0 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
73 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2025-08-02 | 2024-08-03 |
|---|---|---|
| Average employees | 50 | 5000 |
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
1
filing
- • 1 officers
Last 90 days
2
filings
- • 1 officers
- • 1 accounts
Last 180 days
3
filings
- • 1 officers
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
- 2026-04-06➖MURRAY, Colin Alexander resigneddirector
- 2026-04-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-09📄accounts-with-accounts-type-smallaccounts · AA
- 2025-04-22📄accounts-with-accounts-type-smallaccounts · AA
- 2024-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-01🔓Charge satisfied #6
- 2024-08-01🔓Charge satisfied #5
- 2024-08-01🔓Charge satisfied #4
- 2024-04-29📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-29📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-29📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-09📄accounts-with-accounts-type-smallaccounts · AA
- 2024-03-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-19🔓Charge satisfied #2
- 2023-03-23📄accounts-with-accounts-type-smallaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2020-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2020-04-30📄accounts-with-accounts-type-smallaccounts · AA
- 2018-12-28📄accounts-with-accounts-type-smallaccounts · AA
- 2018-01-05📄accounts-with-accounts-type-smallaccounts · AA
- 2015-10-15🔒Charge registered #7Lender: Clydesdale Bank PLC
- 2015-10-10➕BLACOE, William George appointedsecretary
- 2015-10-10➖BOYLE, Mitchell resignedsecretary
- 2015-09-30➖BOYLE, Mitchell resigneddirector
- 2013-04-11➕MCGHEE, Stuart Alexander appointeddirector
- 2009-08-28🔓Charge satisfied #1
- 2009-08-19🔓Charge satisfied #3
- 2009-08-10🔒Charge registered #6Lender: Alliance & Leicester PLC
- 2009-07-28🔒Charge registered #5Lender: Alliance & Leicester PLC
- 2009-02-25🔒Charge registered #4Lender: West of Scotland Loan Fund Limited
- 2009-02-19🔒Charge registered #3Lender: Clydesdale Bank PLC
- 2009-01-22🔒Charge registered #2Lender: West of Scotland Loan Fund Limited
- 2006-05-15🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 2005-12-02🏢Company incorporatedAs KERR'S BAKERY LIMITED
- 2005-12-02➕MURRAY, Karen appointeddirector
- 2005-12-02➕BOYLE, Mitchell appointedsecretary
- 2005-12-02➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2005-12-02➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2005-12-02➕BOYLE, Mitchell appointeddirector
- 2005-12-02➕MURRAY, Colin Alexander appointeddirector
- 2005-12-02➕JORDANS (SCOTLAND) LIMITED appointedcorporate-nominee-director
- 2005-12-02➖JORDANS (SCOTLAND) LIMITED resignedcorporate-nominee-director
Owner dependency
76/100
High — earn-out structure requiredMaterial 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 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
D Mcghee & Sons Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
D Mcghee & Sons Limited
Corporate parent · holds 75-100% shares · board control
⬇
KERR'S BAKERY LIMITED
This company · SC294053
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 |
|---|---|---|---|---|
D Mcghee & Sons Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 →Similar companies
Active · Food & drink · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DAVIDSON BROTHERS (SHOTTS) LIMITED→ SC025270 · est 1947 | £13.67M £10.07M–£17.27M | — | — | 69 | 79y | 84 | 79y |
| BLAIRMHOR DISTILLERS LIMITED→ SC140080 · est 1992 | — | — | £0 | — | 33y | 83 | 77y |
| BLAIRMHOR LIMITED→ SC099017 · est 1986 | — | — | £9.05M | — | 39y | 83 | 77y |
| LAZY DAY FOODS LIMITED→ SC298222 · est 2006 | — | — | £2.52M | — | 20y | 83 | 71y |
| CENTRAL BAKERY SUPPLIES LTD.→ SC370821 · est 2010 | — | — | — | 900 | 16y | 82 | 65y |
| GARDINERS OF SCOTLAND LIMITED→ SC207381 · est 2000 | — | — | £2.80M | — | 25y | 82 | 85y |
| BRAND NEW CAKE LIMITED→ SC379264 · est 2010 | — | — | — | — | 15y | 80 | 61y |
| CALIFORNIA CAKE COMPANY LIMITED→ SC204757 · est 2000 · no financials extracted | — | — | — | — | 26y | 80 | 64y |
| CAMPBELLS FUDGE LIMITED→ SC394263 · est 2011 | — | — | — | 200 | 15y | 80 | 62y |
| DENHOLM BAKERS LTD→ SC358592 · est 2009 | — | — | £149.5k | — | 17y | 80 | 74y |
| INVER HOUSE DISTILLERS LIMITED→ SC040036 · est 1964 · no financials extracted | — | — | — | — | 62y | 80 | 72y |
| JINXY LIMITED→ SC254032 · est 2003 | — | — | £56.3k | — | 22y | 80 | 72y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2005-12-02
Jurisdictionscotland
Primary SIC10890 — SIC 10890
Registered office
Oakfield House
378 Brandon Street
Motherwell
ML1 1XA
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-08-02
Confirmation statement
Next due: 2026-11-24
Last: 2025-11-10
Officers (3 active · 5 resigned)
BLACOE, William George→
Activesecretary · appointed 2015-10-10
View their other companies + combined net worth →
MCGHEE, Stuart Alexander→
Activedirector · ~60y · appointed 2013-04-11
View their other companies + combined net worth →
MURRAY, Karen→
Activedirector · ~52y · appointed 2005-12-02
View their other companies + combined net worth →
BOYLE, Mitchell→
Resignedsecretary · appointed 2005-12-02 · resigned 2015-10-10
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2005-12-02 · resigned 2005-12-02
BOYLE, Mitchell→
Resigneddirector · ~57y · appointed 2005-12-02 · resigned 2015-09-30
MURRAY, Colin Alexander→
Resigneddirector · ~53y · appointed 2005-12-02 · resigned 2026-04-06
JORDANS (SCOTLAND) LIMITED→
Resignedcorporate-nominee-director · appointed 2005-12-02 · resigned 2005-12-02
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
1
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | A registered charge | — | 15/10/2015 | — | |
| satisfied | Alliance & Leicester Alliance & Leicester PLC | Standard security | 1 property | 10/08/2009 | 01/08/2024 | |
| satisfied | Alliance & Leicester Alliance & Leicester PLC | Floating charge | 1 property | 28/07/2009 | 01/08/2024 | |
| satisfied | West of Scotland Loan Fund West of Scotland Loan Fund Limited | Standard security | 1 property | 25/02/2009 | 01/08/2024 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Floating charge standard security | 1 property | 19/02/2009 | 19/08/2009 | |
| satisfied | West of Scotland Loan Fund West of Scotland Loan Fund Limited | Floating charge | 1 property | 22/01/2009 | 19/03/2024 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 15/05/2006 | 28/08/2009 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (73 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-04-06
accounts-with-accounts-type-small
accounts · AA
2026-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-10
accounts-with-accounts-type-small
accounts · AA
2025-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-27
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-01
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-01
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-01
change-person-director-company-with-change-date
officers · CH01
2024-04-29
change-person-director-company-with-change-date
officers · CH01
2024-04-29
change-person-director-company-with-change-date
officers · CH01
2024-04-29
accounts-with-accounts-type-small
accounts · AA
2024-04-09
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-19
accounts-with-accounts-type-small
accounts · AA
2023-03-23