FINLAY'S FARM LTD
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 7.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (86/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
3 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Average employees | 8 | 800 | 600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (27 events)Click to expand
- 2026-05-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-10-28📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-04-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-30➖FINLAY, Wilma Jean resignedsecretary
- 2025-03-30➖FINLAY, Wilma Jean resigneddirector
- 2024-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-04-01📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2018-12-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-12-17🔒Charge registered #1Lender: Bank of Scotland PLC
- 2018-11-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-06-25➖HAWORTH, James Edward resigneddirector
- 2018-06-25➖HAWORTH, Sarah Marie resigneddirector
- 2018-06-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-06-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-05-02➕HAWORTH, James Edward appointeddirector
- 2017-05-02➕HAWORTH, Sarah Marie appointeddirector
- 2017-02-24🏢Company incorporatedAs FINLAY'S FARM LTD
- 2017-02-24➕FINLAY, David James appointeddirector
- 2017-02-24➕FINLAY, Wilma Jean appointedsecretary
- 2017-02-24➕FINLAY, Wilma Jean appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "FINLAY" — strong identity link between founder and business.
- +Founder age: Director aged approximately 71 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David James Finlay Individual · British · DOB 02/1955 · age 71 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 24/02/2017 |
1 historic (ceased) PSC
- Mrs Wilma Jean Finlayceased 30/03/2025· 25-50% shares · firm interest
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.
See pricing →Similar companies
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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 (1 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 17/12/2018 | — |