JAMES MCLAREN & SON (BAKERS) LIMITED

🌳Matureactive
SC214218 · ltd · incorporated 2000-12-28
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 23.6y old — refinance window within 12 months
🔒Estimated value
Upgrade to see
Turnover
year to May 2025
Net worth
£21.4k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Manufacture of bread; manufacture of fresh pastry goods and cakes
Sector: Manufacturing
ALSO REGISTERED FOR
  • 47240Retail sale of bread, cakes, flour confectionery and sugar confectionery in specialised stores
Investor take
Pursue
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (75/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 23.6y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 23.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (77/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
73 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £21,413
Net assets shrinking
Down £5,853 YoY
Cash YoY
+41%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£31k
↑ 41% YoY
Net Worth
£21k
↓ 21% YoY
Current Assets
Current Liabilities
£0£6k£12k£19k£25k£31kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-312024-05-31
Cash£30.9k£21.9k
Net assets£21.4k£27.3k

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-10-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-07
    📍
    move-registers-to-registered-office-company-with-new-address
    address · AD04
  3. 2025-06-24
    📄
    second-filing-of-director-appointment-with-name
    officers · RP04AP01
  4. 2025-02-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-02-23
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2025-02-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-09-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2024-09-21
    🔓
    Charge satisfied #1
  9. 2024-04-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2024-04-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2023-11-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2023-04-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2023-04-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2023-04-10
    SYMNS, Sarah Allison Campbell appointed
    director
  15. 2023-03-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2022-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2022-10-22
    MCLAREN, William resigned
    director
  18. 2021-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2021-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2019-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2002-09-20
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  22. 2000-12-28
    🏢
    Company incorporated
    As JAMES MCLAREN & SON (BAKERS) LIMITED
  23. 2000-12-28
    MURRAY, Karen Frances appointed
    secretary
  24. 2000-12-28
    MURRAY, Karen Frances appointed
    director
  25. 2000-12-28
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  26. 2000-12-28
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  27. 2000-12-28
    MCLAREN, William appointed
    director

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

86/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Karen Frances Murray
Individual · British · DOB 10/1961 · age 65
5075%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016
Mrs Sarah Allison Campbell Symns
Individual · British · DOB 02/1990 · age 36
2550%
25–50%25-50% shares · 25-50% voting10/02/2025
1 historic (ceased) PSC
  • William Mclarenceased 06/04/2016· 25-50% shares

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

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
Incorporated2000-12-28
Jurisdictionscotland
Primary SIC10710 — Manufacture of bread; manufacture of fresh pastry goods and cakes

Registered office

22-26 Market Street
Forfar
Angus
DD8 3EW

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-05-14
Last: 2025-04-30

Officers (3 active · 2 resigned)

MURRAY, Karen Frances
secretary · appointed 2000-12-28
View their other companies + combined net worth →
Active
MURRAY, Karen Frances
director · ~65y · appointed 2000-12-28
View their other companies + combined net worth →
Active
SYMNS, Sarah Allison Campbell
director · ~36y · appointed 2023-04-10
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED
corporate-nominee-secretary · appointed 2000-12-28 · resigned 2000-12-28
Resigned
MCLAREN, William
director · ~86y · appointed 2000-12-28 · resigned 2022-10-22
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property20/09/200221/09/2024

Recent filings (73 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-03
move-registers-to-registered-office-company-with-new-address
address · AD04
2025-07-07
second-filing-of-director-appointment-with-name
officers · RP04AP01
2025-06-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-23
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-02-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-19
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-30
change-person-director-company-with-change-date
officers · CH01
2024-04-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-01
appoint-person-director-company-with-name-date
officers · AP01
2023-04-19
termination-director-company-with-name-termination-date
officers · TM01
2023-04-17