ST. ANDREWS FARMHOUSE CHEESE COMPANY LIMITED
🌳Matureactive
SC324967 · ltd · incorporated 2007-06-05
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
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 May 2025
Net worth
£262.8k
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Other food services
Sector: Accommodation & food service
Investor take
PursueAsset-holding vehicle. Family succession underway — not a classic acquisition target.
Opportunity 81/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (5 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £262,798
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£263k
↑ 20% YoY
Current Assets
£360k
↑ 27% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £280.0k | £246.0k |
| Current assets | £359.9k | £283.8k |
| Net assets | £262.8k | £218.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-02-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-05-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-04-04➕STEWART, Adam Thomas appointeddirector
- 2022-04-04➕STEWART, Benjamin appointeddirector
- 2022-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-03-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-03-02📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-16📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-02-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2007-06-05🏢Company incorporatedAs ST. ANDREWS FARMHOUSE CHEESE COMPANY LIMITED
- 2007-06-05➕STEWART, Elizabeth Jane appointedsecretary
- 2007-06-05➕STEWART, Elizabeth Jane appointeddirector
- 2007-06-05➕STEWART, Peter Robert appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial 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 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
33/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- primaryFamily succession underway: Not a takeover target — STEWART, Adam Thomas (same surname) appointed 2022-04-04. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 65. 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Elizabeth Jane Stewart Individual · British · DOB 07/1964 · age 62 | — | — | sig. influencesignificant influence | 01/07/2016 |
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 · Hospitality · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CITY HOTELS (DUNFERMLINE) LIMITED→ SC267931 · est 2004 | £3.64M £2.73M–£4.55M | — | — | 104 | 22y | 81 | 75y |
| ABBEYFORD CARAVAN COMPANY (SCOTLAND) LIMITED→ SC089169 · est 1984 · no financials extracted | — | — | — | — | 41y | 83 | 71y |
| DRUMOIG GOLF LIMITED→ SC356193 · est 2009 | — | — | — | 300 | 17y | 83 | 62y |
| P.E.M. (KIRKCALDY) LIMITED→ SC171947 · est 1997 | — | — | — | 1700 | 29y | 83 | 62y |
| THE EAST COAST PUB COMPANY LIMITED→ SC273238 · est 2004 | — | — | — | 1200 | 21y | 83 | 58y |
| A & D BAR SERVICES LTD→ SC372775 · est 2010 | — | — | — | 2300 | 16y | 82 | 59y |
| ADMINISTRATION OFFICE FOR EXAMINATIONS (UK) LIMITED→ SC191297 · est 1998 · no financials extracted | — | — | — | — | 27y | 82 | 77y |
| D.M.H. LETTINGS LTD→ SC163754 · est 1996 | — | — | £308.8k | — | 30y | 82 | 60y |
| FLYING KEG LIMITED→ SC400391 · est 2011 | — | — | £1.5k | — | 15y | 82 | 67y |
| MOLINARO LIMITED→ SC380830 · est 2010 | — | — | £2.31M | — | 16y | 82 | 62y |
| THE COCOA TREE SHOP LTD→ SC309783 · est 2006 | — | — | — | 2300 | 19y | 82 | 65y |
| TASTE COFFEE LIMITED→ SC366012 · est 2009 | — | — | £110.1k | — | 16y | 81 | 68y |
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.
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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
Incorporated2007-06-05
Jurisdictionscotland
Primary SIC56290 — Other food services
Registered office
Falside Farm
Pittenweem
Fife
KY10 2RT
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-06-19
Last: 2026-06-05
Officers (5 active · 0 resigned)
STEWART, Elizabeth Jane→
Activesecretary · appointed 2007-06-05
View their other companies + combined net worth →
STEWART, Adam Thomas→
Activedirector · ~27y · appointed 2022-04-04
View their other companies + combined net worth →
STEWART, Benjamin→
Activedirector · ~32y · appointed 2022-04-04
View their other companies + combined net worth →
STEWART, Elizabeth Jane→
Activedirector · ~62y · appointed 2007-06-05
View their other companies + combined net worth →
STEWART, Peter Robert→
Activedirector · ~65y · appointed 2007-06-05
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (49 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-24
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-06
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-19
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-13
appoint-person-director-company-with-name-date
officers · AP01
2022-05-11
appoint-person-director-company-with-name-date
officers · AP01
2022-05-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-08
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-03