BUCKIE COTTAGES LTD
Opportunity 61/100 (worth a look), bankability 42/100. High owner-dependency — earn-out structure likely required for clean transition. 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
4 live charges · 3 lenders · oldest 4.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.3 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)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 →Mixed signal. Worth opening the full target workup before deciding to pursue.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £432.8k | £447.9k |
| Current assets | £72.8k | £2.4k |
| Net assets | £43.0k | £27.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
Corporate timeline (15 events)Click to expand
- 2026-04-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-09-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-16🔒Charge registered #4Lender: Vida Bank Limited Trading as Vida Homeloans
- 2025-08-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-29🔒Charge registered #3Lender: Vida Bank Limited Trading as Vida Homeloans
- 2025-05-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-23🔒Charge registered #2Lender: Aldermore Bank PLC
- 2025-03-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-01-07🔒Charge registered #1Lender: Cumberland Building Society
- 2021-07-13🏢Company incorporatedAs BUCKIE COTTAGES LTD
- 2021-07-13➕SOYINKA, Ayodeji Ayinla appointeddirector
- 2021-07-13📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 high · 1 med ·Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-04-01
Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-09-16: A registered charge; 2025-07-29: A registered charge; 2025-05-23: A registered charge
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ayodeji Ayinla Soyinka Individual · British · DOB 11/1969 · age 57 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 13/07/2021 |
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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11 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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Vida Bank Trading as Vida Homeloans Vida Bank Limited Trading as Vida Homeloans | A registered charge | 2 properties | 16/09/2025 | — | |
| outstanding | Vida Bank Trading as Vida Homeloans Vida Bank Limited Trading as Vida Homeloans | A registered charge | 2 properties | 29/07/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 23/05/2025 | — | |
| outstanding | Cumberland Building Society | A registered charge | 1 property | 07/01/2022 | — |