WHITE ROSE FINANCE COMPANY LIMITED
🌳Matureactive
00558783 · ltd · incorporated 1955-12-16
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 35.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£7.00M
book net assets
Opportunity
83/100
Exceptional
What this business does
Likely a small, longstanding Yorkshire-based financial intermediary that arranges or manages loans, credit, or similar financial products alongside some property letting activity, though its micro-entity accounts and exemption filings suggest a modest, possibly family-run or holding-type operation.
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueActive trading company with a 90-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 90). 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: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 35.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 35.1 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: medium (76/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
11 officers (5 active, 11 linked, 8 with DOB)
85
Ownership & PSC
4 active PSC(s) of 4 total, 4 with control declared
90
Director network
31 connected companies via shared directors
90
Filing history
124 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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 declaredPositive net assets
Net assets £7,004,498
Key financials
1 year extracted from filed iXBRL accountsCash
£176k
Net Worth
£7.0m
Current Assets
£2.0m
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 |
|---|---|
| Total assets | £7.00M |
| Current assets | £2.02M |
| Cash | £176.1k |
| Debtors | £228.6k |
| Net assets | £7.00M |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-05-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-20➕BEEFORTH, Deborah appointedsecretary
- 2020-07-20➖SWIERS, Barry Peter resignedsecretary
- 2020-07-20📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2020-07-20📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2019-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-06-05📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-14📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-03-27➖HARRISON, Michael John resigneddirector
- 2010-03-26🔒Charge registered #2Lender: Svenska Handelsbanken Ab (Publ)
- 2005-01-31➕ROBSON, Martin appointeddirector
- 2005-01-31➕HARRISON, Michael John appointeddirector
- 2005-01-31➖SWIERS, Barry Peter resigneddirector
- 2004-12-31➖JOHNSON, James Martin resigneddirector
- 2003-07-29➕GUTHRIE, Peter John appointeddirector
- 2003-07-29➕GUTHRIE, Richard appointeddirector
- 2003-07-29➖JOHNSON, James Martin resignedsecretary
- 2003-07-29➕SWIERS, Barry Peter appointedsecretary
- 2003-07-29➕SWIERS, Barry Peter appointeddirector
- 1998-07-01➖DIXON, Joseph resigneddirector
- 1998-07-01➕JOHNSON, James Martin appointeddirector
- 1994-08-11🔓Charge satisfied #1
- 1991-04-19🔒Charge registered #1Lender: The Governor and Company or the Bank of Scotland
- 1955-12-16🏢Company incorporatedAs WHITE ROSE FINANCE COMPANY LIMITED
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 90 — 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 90 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 70 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
4 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Guthrie Individual · British · DOB 10/1936 · age 90 | 25–50% | 25–50% | 25-50% shares · 25-50% voting · trust interest | 18/06/2025 |
Mr Stephen Andrew Watson Individual · British · DOB 05/1959 · age 67 | 25–50% | 25–50% | 25-50% shares · 25-50% voting · trust interest | 18/06/2025 |
Mr John Robert Neil Macleod Individual · British · DOB 03/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting · trust interest | 18/06/2025 |
Mr Richard Guthrie Individual · British · DOB 08/1972 · age 54 | — | — | sig. influencesignificant influence · trust interest | 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
Active · Financial services · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALEGRA STRATEGIC LIMITED→ 12386188 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ALTIUS IFA LIMITED→ 16310462 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMDINE LTD→ 08820148 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ARDENT IFA LIMITED→ 06014584 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| AUTUS LIFETIME PLANNING LIMITED→ 08813223 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AVIVA TRUSTEES UK LIMITED→ 09304239 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AXIS LEISURE LIMITED→ 08492450 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| BASTOW & CO LIMITED→ 04943381 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| BENENDEN WELLBEING LIMITED→ 08271017 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BIRD STREET ENTERPRISES LIMITED→ 10355502 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BRECKSTREET INVESTMENTS UNLIMITED→ 14164794 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BRIDGEDALE INVESTMENTS→ 11045948 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated1955-12-16
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
137 Scalby Road
Scarborough
North Yorkshire
YO12 6TB
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-06-28
Last: 2025-06-14
Officers (5 active · 6 resigned)
Active
Active
GUTHRIE, Peter John→
Activedirector · ~55y · appointed 2003-07-29
View their other companies + combined net worth →
GUTHRIE, Richard→
Activedirector · ~54y · appointed 2003-07-29
View their other companies + combined net worth →
ROBSON, Martin→
Activedirector · ~51y · appointed 2005-01-31
View their other companies + combined net worth →
JOHNSON, James Martin→
Resignedsecretary · resigned 2003-07-29
SWIERS, Barry Peter→
Resignedsecretary · appointed 2003-07-29 · resigned 2020-07-20
DIXON, Joseph→
Resigneddirector · ~111y · resigned 1998-07-01
HARRISON, Michael John→
Resigneddirector · ~79y · appointed 2005-01-31 · resigned 2012-03-27
JOHNSON, James Martin→
Resigneddirector · ~84y · appointed 1998-07-01 · resigned 2004-12-31
SWIERS, Barry Peter→
Resigneddirector · ~71y · appointed 2003-07-29 · resigned 2005-01-31
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Svenska Handelsbanken Ab (Publ) | Standard security executed on 03 march 2010 | 1 property | 26/03/2010 | — | |
| satisfied | Lloyds Banking Group The Governor and Company or the Bank of Scotland | A registered charge | — | 19/04/1991 | 11/08/1994 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (124 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-06-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-06-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-06-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-17
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-19
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-15
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-03
appoint-person-secretary-company-with-name-date
officers · AP03
2020-07-20