LITTLE SCALLYWAGS NURSERY LIMITED
- · Oldest live charge 9.6y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 78). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
3 live charges · oldest 9.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
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 | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £323.0k | £307.7k |
| Current assets | £7.4k | £60.9k |
| Net assets | £236.4k | £209.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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 (22 events)Click to expand
- 2026-03-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-06-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-16📄change-person-director-company-with-change-dateofficers · CH01
- 2019-07-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-06-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-03-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-03-08📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2017-03-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-03-21🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2016-10-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-10-20🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2016-10-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-10-03🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2016-07-11🏢Company incorporatedAs LITTLE SCALLYWAGS NURSERY LIMITED
- 2016-07-11➕KAVANAGH, Victoria Ruth appointeddirector
- 2016-07-11➕STONE, Ruth Margaret appointeddirector
- 2016-07-11📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 78 — succession pressure is live.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Victoria Ruth Kavanagh Individual · British · DOB 10/1974 · age 52 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 11/07/2016 |
Mrs Ruth Margaret Stone Individual · British · DOB 03/1948 · age 78 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 11/07/2016 |
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.
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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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 21/03/2017 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 20/10/2016 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 03/10/2016 | — |