RAITH FRUIT & FLOWERS LIMITED

🌳Matureactive
SC335927 · ltd · incorporated 2008-01-08
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 Mar 2025
Net worth
£-172.2k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: SIC 46220
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 46310Wholesale of fruit and vegetables
Investor take
Pass (distressed without resilience)
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 79/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

5 live charges · 3 lenders · oldest 11.9y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 11.9 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (78/100)

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
5 officers (5 active, 5 linked, 4 with DOB)
86
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
51 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £172,180
Cash YoY
+131%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£33k
↑ 131% YoY
Net Worth
-£172k
↓ 4.6% YoY
Current Assets
£336k
↑ 20% YoY
Current Liabilities
—
-£172k-£70k£31k£133k£235k£336kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£43.9k£43.3k
Current assets£336.3k£279.3k
Cash£32.6k£14.1k
Debtors£284.4k£245.3k
Net assets£-172.2k£-164.7k

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

🔒Filing-note intelligence

2 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
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 (26 events)Click to expand
  1. 2025-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-03-20
    ➕
    BRADY, Kerry Ann appointed
    director
  4. 2024-03-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2023-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-12-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-08-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2018-08-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2018-08-14
    🔒
    Charge registered #5
    Lender: Royal Bank of Scotland PLC
  14. 2018-08-14
    🔒
    Charge registered #4
    Lender: Royal Bank of Scotland PLC
  15. 2017-10-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-10-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2017-09-29
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  18. 2016-12-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  19. 2016-01-13
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  20. 2014-11-12
    🔒
    Charge registered #2
    Lender: Rbs Invoice Finance Limited
  21. 2014-05-21
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  22. 2008-01-08
    🏢
    Company incorporated
    As RAITH FRUIT & FLOWERS LIMITED
  23. 2008-01-08
    ➕
    BRADY, Helen Evelyn appointed
    secretary
  24. 2008-01-08
    ➕
    BRADY, Andrew Charles appointed
    director
  25. 2008-01-08
    ➕
    BRADY, Charles Marshall appointed
    director
  26. 2008-01-08
    ➕
    BRADY, Helen Evelyn appointed
    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 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 76 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

33/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — BRADY, Kerry Ann (same surname) appointed 2024-03-20. Pattern consistent with intra-family handover.
  • primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 18 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low
5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Helen Evelyn Brady
Individual · British · DOB 02/1953 · age 73
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Charles Marshall Brady
Individual · British · DOB 07/1950 · age 76
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Andrew Charles Brady
Individual · British · DOB 08/1977 · age 49
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2008-01-08
Jurisdictionscotland
Primary SIC46220 — SIC 46220

Registered office

Unit 2-4,, Myregormie Place
Mitchelston Industrial Estate
Kirkcaldy
KY1 3NA

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-18
Last: 2026-01-04

Officers (5 active · 0 resigned)

BRADY, Helen Evelyn→
secretary · appointed 2008-01-08
View their other companies + combined net worth →
Active
BRADY, Andrew Charles→
director · ~49y · appointed 2008-01-08
View their other companies + combined net worth →
Active
BRADY, Charles Marshall→
director · ~76y · appointed 2008-01-08
View their other companies + combined net worth →
Active
BRADY, Helen Evelyn→
director · ~73y · appointed 2008-01-08
View their other companies + combined net worth →
Active
BRADY, Kerry Ann→
director · ~49y · appointed 2024-03-20
View their other companies + combined net worth →
Active

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

Mortgages & charges

5
Total charges
5
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property14/08/2018—
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property14/08/2018—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property29/09/2017—
outstanding
NatWest Group
Rbs Invoice Finance Limited
A registered charge—12/11/2014—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—21/05/2014—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (51 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
appoint-person-director-company-with-name-date
officers · AP01
2024-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-10