FERGUSONS BAKERS LIMITED
- · Oldest live charge 24.6y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 24.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 24.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
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 102| Metric | 2025-08-02 | 2024-08-03 |
|---|---|---|
| Average employees | 86 | 8700 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
4 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
Corporate timeline (33 events)Click to expand
- 2026-03-09📄accounts-with-accounts-type-smallaccounts · AA
- 2025-04-22📄accounts-with-accounts-type-smallaccounts · AA
- 2024-04-09📄accounts-with-accounts-type-smallaccounts · AA
- 2023-12-28➕MCGHEE, Stuart Alexander appointeddirector
- 2023-12-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-24📄accounts-with-accounts-type-smallaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2020-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2020-04-30📄accounts-with-accounts-type-smallaccounts · AA
- 2018-12-28📄accounts-with-accounts-type-smallaccounts · AA
- 2018-10-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-09-28➖FERGUSON, James resigneddirector
- 2018-01-05📄accounts-with-accounts-type-smallaccounts · AA
- 2017-01-13📄accounts-with-accounts-type-fullaccounts · AA
- 2016-01-11📄accounts-with-accounts-type-smallaccounts · AA
- 2015-08-31📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-17📄accounts-with-accounts-type-smallaccounts · AA
- 2010-11-04🔓Charge satisfied #1
- 2010-10-28🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2004-01-23➖OPRAY, Gordon Barclay resigneddirector
- 2001-09-14➕FERGUSON, James appointeddirector
- 2001-09-14➖MCGHEE, Stuart Alexander resigneddirector
- 2001-09-14➕OPRAY, Gordon Barclay appointeddirector
- 2001-09-13🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2001-08-29🏢Company incorporatedAs FERGUSONS BAKERS LIMITED
- 2001-08-29➕MCGHEE, Ian Calder appointedsecretary
- 2001-08-29➕MCGHEE, Gordon Douglas appointeddirector
- 2001-08-29➕MCGHEE, Ian Calder appointeddirector
- 2001-08-29➕BRIAN REID LTD. appointedcorporate-nominee-secretary
- 2001-08-29➖BRIAN REID LTD. resignedcorporate-nominee-secretary
- 2001-08-29➕MCGHEE, Stuart Alexander appointeddirector
- 2001-08-29➕STEPHEN MABBOTT LTD. appointedcorporate-nominee-director
- 2001-08-29➖STEPHEN MABBOTT LTD. resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
D Mcghee & Sons Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
D Mcghee & Sons Limited Corporate entity | 75–100% | — | board control75-100% shares · board control | 06/04/2016 |
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.
See pricing →Similar companies
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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 →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 (4 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 28/10/2010 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 13/09/2001 | 04/11/2010 |