CARGILL FAMILY LIMITED
Opportunity 70/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (58/100).
Refinance opportunity
6 live charges · 3 lenders · oldest 4.0y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.0 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · 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.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £419.7k | £335.2k |
| Current assets | £5.0k | £12.5k |
| Net assets | £15.1k | £4.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (27 events)Click to expand
- 2025-06-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-18🔒Charge registered #6Lender: Paragon Bank PLC
- 2024-12-18🔒Charge registered #5Lender: Paragon Bank PLC
- 2024-08-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-01🔒Charge registered #4Lender: The Aldermore Bank PLC
- 2024-07-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-01🔓Charge satisfied #1
- 2024-05-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-27🔒Charge registered #3Lender: Lendinvest Btl Limited
- 2023-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-30🔒Charge registered #2Lender: Paragon Bank PLC
- 2022-08-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-05-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-03🔒Charge registered #1Lender: Lendinvest Btl Limited
- 2021-11-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-08-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-10-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-02-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-01-26📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-11-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2014-10-27🏢Company incorporatedAs CARGILL FAMILY LIMITED
- 2014-10-27➕CARGILL, Scott William appointeddirector
- 2014-10-27➕CARGILL, Zoe appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "CARGILL" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Zoe Joanne Cargill Individual · British · DOB 05/1984 · age 42 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/11/2021 |
Mr Scott William Cargill Individual · United Kingdom · DOB 01/1981 · age 45 | 25–50% | — | 25-50% shares | 21/10/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 18/12/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 18/12/2024 | — | |
| outstanding | Aldermore The Aldermore Bank PLC | A registered charge | 1 property | 01/08/2024 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 27/05/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 30/08/2022 | — | |
| satisfied | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 03/05/2022 | 01/07/2024 |