THE PREMIUM BAKERY LIMITED

🌳Matureactive
SC316253 · ltd · incorporated 2007-02-09
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 19.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£420.7k
book net assets
Opportunity
83/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Manufacture of bread; manufacture of fresh pastry goods and cakes
Sector: Manufacturing
Investor take
Pursue
Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 69). 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 (65/100).

🏦

Refinance opportunity

2 live charges · oldest 19.1y

65/100
clean up first

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

  • · Oldest live charge is 19.1 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: high (80/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (5 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
81 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £420,700
Cash YoY
+33%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£385
↑ 33% YoY
Net Worth
£421k
↑ 18% YoY
Current Assets
£381k
↓ 6.1% YoY
Current Liabilities
—
£0£84k£168k£252k£337k£421kFeb 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-02-282024-02-29
Total assets£738.2k£769.4k
Current assets£380.5k£405.3k
Cash£385£290
Debtors£298.9k£316.6k
Net assets£420.7k£355.7k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-10-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-10-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-06-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-06-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-06-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-05-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-03-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2022-02-24
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  9. 2021-04-30
    📄
    capital-name-of-class-of-shares
    capital · SH08
  10. 2021-04-29
    📄
    resolution
    resolution · RESOLUTIONS
  11. 2021-04-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-06-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-05-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-02-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2018-02-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2018-01-29
    ➕
    HASHEM, Mona appointed
    director
  18. 2016-11-22
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  19. 2010-05-04
    ➕
    FORD, Elaine Lane appointed
    director
  20. 2010-05-04
    ➕
    FORD, Graeme Thomas appointed
    director
  21. 2010-05-04
    ➖
    MACEFIELD, Mark Neal resigned
    director
  22. 2009-09-30
    ➕
    MACEFIELD, Mark Neal appointed
    director
  23. 2007-04-05
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  24. 2007-03-06
    ➕
    WHITELAW WELLS appointed
    corporate-secretary
  25. 2007-03-06
    ➕
    FORD, Peter James appointed
    director
  26. 2007-02-09
    🏢
    Company incorporated
    As THE PREMIUM BAKERY LIMITED
  27. 2007-02-09
    ➕
    CREDITREFORM (SECRETARIES) LIMITED appointed
    corporate-nominee-secretary
  28. 2007-02-09
    ➖
    CREDITREFORM (SECRETARIES) LIMITED resigned
    corporate-nominee-secretary
  29. 2007-02-09
    ➕
    CREDITREFORM (DIRECTORS) LIMITED appointed
    corporate-nominee-director
  30. 2007-02-09
    ➖
    CREDITREFORM (DIRECTORS) LIMITED resigned
    corporate-nominee-director

Owner dependency

73/100
High — earn-out structure required

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

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 69 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 19 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Graeme Thomas Ford
Individual · British · DOB 09/1980 · age 46
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mr Peter James Fordceased 22/04/2021· 25-50% shares · 25-50% voting

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 · EH postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
BRODIE MELROSE DRYSDALE & CO. LIMITED→
SC201590 · est 1999
£1.45M
£1.07M–£1.84M
£8.61M—330026y8463y
BELLA & DUKE LIMITED→
SC547789 · est 2016
£447.4k
£329.6k–£565.1k
——1349y8367y
HAMLYNS OF SCOTLAND LIMITED→
SC176949 · est 1997
£99.9k
£73.6k–£126.2k
£27.47M—540028y8680y
SALTIRE PATISSERIE LTD.→
SC295828 · est 2006
———1520y8363y
SCOT CHIP LIMITED→
SC258060 · est 2003
——£1.13M—22y8361y
CAWOODS (FISHCURERS) LIMITED→
SC034153 · est 1959 · no financials extracted
————66y8260y
S LUCA OF MUSSELBURGH LIMITED→
SC296882 · est 2006
——£1.65M—20y8269y
ARTISAN ROAST LIMITED→
SC327756 · est 2007
———360018y8162y
GRAMPIAN OAT PRODUCTS LIMITED→
SC176950 · est 1997
———028y8180y
MOROCCO GOLD LIMITED→
SC370625 · est 2009
——£249.9k—16y8172y
TRAQUAIR HOUSE BREWERY LIMITED→
SC172147 · est 1997
———30029y8162y
ACTIPH WATER LIMITED→
SC505074 · est 2015
——£547.8k—11y8077y
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
Incorporated2007-02-09
Jurisdictionscotland
Primary SIC10710 — Manufacture of bread; manufacture of fresh pastry goods and cakes

Registered office

Unit 22 Mid Road Industrial Estate
Mid Road
Prestonpans
East Lothian
EH32 9ER
Scotland

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-02-23
Last: 2026-02-09

Officers (5 active · 3 resigned)

WHITELAW WELLS→
corporate-secretary · appointed 2007-03-06
View their other companies + combined net worth →
Active
FORD, Elaine Lane→
director · ~69y · appointed 2010-05-04
View their other companies + combined net worth →
Active
FORD, Graeme Thomas→
director · ~46y · appointed 2010-05-04
View their other companies + combined net worth →
Active
FORD, Peter James→
director · ~69y · appointed 2007-03-06
View their other companies + combined net worth →
Active
HASHEM, Mona→
director · ~52y · appointed 2018-01-29
View their other companies + combined net worth →
Active
CREDITREFORM (SECRETARIES) LIMITED→
corporate-nominee-secretary · appointed 2007-02-09 · resigned 2007-02-09
Resigned
MACEFIELD, Mark Neal→
director · ~57y · appointed 2009-09-30 · resigned 2010-05-04
Resigned
CREDITREFORM (DIRECTORS) LIMITED→
corporate-nominee-director · appointed 2007-02-09 · resigned 2007-02-09
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property22/11/2016—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property05/04/2007—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (81 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-12
change-person-director-company-with-change-date
officers · CH01
2025-10-20
change-person-director-company-with-change-date
officers · CH01
2025-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-07
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-03-07
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-02-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-21
capital-name-of-class-of-shares
capital · SH08
2021-04-30
resolution
resolution · RESOLUTIONS
2021-04-29