S.M. BAYNE & COMPANY LIMITED
🌳Matureactive
SC030423 · ltd · incorporated 1954-11-29
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
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Growing of cereals (except rice), leguminous crops and oil seeds
Sector: Agriculture, forestry & fishing
ALSO REGISTERED FOR
- 01450SIC 01450
- 10710Manufacture of bread; manufacture of fresh pastry goods and cakes
- 47220Retail sale of meat and meat products in specialised stores
Investor take
PursueConservative operator with a 86-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 86). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (78/100).
🏦
Refinance opportunity
6 live charges · 5 lenders · oldest 54.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 54.4 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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, 4 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
9 officers (5 active, 9 linked, 7 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
123 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
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 →Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Profitable
Profit before tax £3,362,972
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Profit before tax | £3.36M | £3.42M |
| Average employees | 963 | 90700 |
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 (39 events)Click to expand
- 2025-12-24📄accounts-with-accounts-type-fullaccounts · AA
- 2025-01-29📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-22🔓Charge satisfied #3
- 2024-04-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-03📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-04-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-03-21📄capital-name-of-class-of-sharescapital · SH08
- 2024-03-21📄resolutionresolution · RESOLUTIONS
- 2024-03-21📄memorandum-articlesincorporation · MA
- 2023-12-11📄accounts-with-accounts-type-fullaccounts · AA
- 2023-03-27📄accounts-with-accounts-type-fullaccounts · AA
- 2022-02-01📄accounts-with-accounts-type-fullaccounts · AA
- 2021-03-19📄accounts-with-accounts-type-fullaccounts · AA
- 2019-12-23📄accounts-with-accounts-type-fullaccounts · AA
- 2019-12-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-12-12🔓Charge satisfied #4
- 2019-01-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-01-30🔓Charge satisfied #5
- 2018-11-01🔒Charge registered #6Lender: Hsbc UK Bank PLC
- 2008-12-24🔓Charge satisfied #1
- 2008-12-23🔒Charge registered #5Lender: Lloyds Tsb Scotland PLC
- 2008-12-22🔒Charge registered #4Lender: Lloyds Tsb Scotland PLC
- 2008-07-08🔒Charge registered #3Lender: The Fife Council
- 2007-05-14➖LOVE, Archibald resigneddirector
- 2007-01-16🔓Charge satisfied #2
- 2006-10-18➕BAYNE, Angus Donald appointeddirector
- 2005-12-22➕LOVE, Archibald appointeddirector
- 2005-09-12➖BAYNE, Evelyn Marie resigneddirector
- 2005-04-02➖MURRAY, John Victor resigneddirector
- 2005-03-31➕BAYNE, John Simon appointeddirector
- 1996-03-12🔒Charge registered #2Lender: Scottish Enterprise Fife Limited
- 1994-11-02➕BAYNE, Linda May appointedsecretary
- 1994-11-02➖BAYNE, Evelyn Marie resignedsecretary
- 1990-12-12➕MURRAY, John Victor appointeddirector
- 1971-11-30🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1954-11-29🏢Company incorporatedAs S.M. BAYNE & COMPANY LIMITED
Owner dependency
88/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "BAYNE" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 86 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 86 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 71 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stanley Maurice Bayne Individual · British · DOB 06/1940 · age 86 | — | — | sig. influencesignificant influence | 06/04/2016 |
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
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|---|---|---|---|---|---|---|---|
| OCHILVIEW MUSHROOMS LTD→ SC839029 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| OVER RANKEILOUR ESTATE LIMITED→ SC881116 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| PITLOCHIE FARMING COMPANY LIMITED→ SC182796 · est 1998 · no financials extracted | — | — | — | — | 28y | — | — |
| PROVAN CONTRACTING LIMITED→ SC881513 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| PTREE SURGERY & GROUNDWORKS LIMITED→ SC816046 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| RF FARMING LIMITED→ SC504705 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ROBINSON CRUSOE (ENTITLEMENTS) LIMITED→ SC520332 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ROSSLYN GARDENS LTD→ SC744401 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| S M GRAHAM LTD→ SC429554 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| SANDA ISLAND LIMITED→ SC374073 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| SHINING RIVAL LTD→ SC777720 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SHRIMP.SCOT LIMITED→ SC790575 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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.
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
Incorporated1954-11-29
Jurisdictionscotland
Primary SIC01110 — Growing of cereals (except rice), leguminous crops and oil seeds
Registered office
Orwell Bakery Loanhead Avenue
Lochore
Fife
KY5 8DD
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-01
Last: 2025-12-18
Officers (5 active · 4 resigned)
Active
BAYNE, Angus Donald→
Activedirector · ~52y · appointed 2006-10-18
View their other companies + combined net worth →
BAYNE, John Simon→
Activedirector · ~54y · appointed 2005-03-31
View their other companies + combined net worth →
Active
Active
BAYNE, Evelyn Marie→
Resignedsecretary · resigned 1994-11-02
BAYNE, Evelyn Marie→
Resigneddirector · ~115y · resigned 2005-09-12
LOVE, Archibald→
Resigneddirector · ~84y · appointed 2005-12-22 · resigned 2007-05-14
MURRAY, John Victor→
Resigneddirector · ~81y · appointed 1990-12-12 · resigned 2005-04-02
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
1
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 01/11/2018 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Bond & floating charge | 1 property | 23/12/2008 | 30/01/2019 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 22/12/2008 | 12/12/2019 | |
| satisfied | The Fife Council | Standard security | 1 property | 08/07/2008 | 22/04/2024 | |
| satisfied | Scottish Enterprise Fife Scottish Enterprise Fife Limited | Floating charge | 1 property | 12/03/1996 | 16/01/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 30/11/1971 | 24/12/2008 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (123 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-17
accounts-with-accounts-type-full
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-05
accounts-with-accounts-type-full
accounts · AA
2025-01-29
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-22
change-person-director-company-with-change-date
officers · CH01
2024-04-03
change-person-director-company-with-change-date
officers · CH01
2024-04-03
change-person-secretary-company-with-change-date
officers · CH03
2024-04-03
change-person-director-company-with-change-date
officers · CH01
2024-04-03
change-person-director-company-with-change-date
officers · CH01
2024-04-03
capital-name-of-class-of-shares
capital · SH08
2024-03-21
resolution
resolution · RESOLUTIONS
2024-03-21
memorandum-articles
incorporation · MA
2024-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-19
accounts-with-accounts-type-full
accounts · AA
2023-12-11