G.WHITFIELD & SON LIMITED
- · Oldest live charge 35.4y old — refinance window within 12 months
Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (63/100).
Refinance opportunity
2 live charges · oldest 35.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 35.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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.
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 300 | 500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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 confirmation-statement
- • 1 accounts
Corporate timeline (29 events)Click to expand
- 2025-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2024-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2024-01-30📄accounts-with-accounts-type-smallaccounts · AA
- 2023-10-05➕HARLEY, Neil Sinclair appointedsecretary
- 2023-10-05➖WHITFIELD, Edward John resignedsecretary
- 2023-10-05📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-10-05📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2023-08-17📄memorandum-articlesincorporation · MA
- 2023-07-26📄resolutionresolution · RESOLUTIONS
- 2023-07-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-10➕HARLEY, Neil Sinclair appointeddirector
- 2023-03-31📄accounts-with-accounts-type-smallaccounts · AA
- 2021-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-08-12➖HARLEY, Neil Sinclair resigneddirector
- 2020-08-12➖WHITFIELD, Carolyn Ann resigneddirector
- 2020-08-12➖WHITFIELD, Edward John resigneddirector
- 2020-01-09📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-01-09📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-01-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-12-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-12-17➕HARLEY, Susanna Mary Whitfield appointeddirector
- 2019-12-17➕HARLEY, Neil Sinclair appointeddirector
- 2015-06-25🔒Charge registered #2Lender: The Agricultural Mortgage Corporation PLC
- 1991-01-02🔒Charge registered #1Lender: The Agricultural Mortgage Corporation PLC
- 1963-03-21🏢Company incorporatedAs G.WHITFIELD & SON LIMITED
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Susanna Mary Whitfield Harley Individual · British · DOB 11/1985 · age 41 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 17/12/2019 |
2 historic (ceased) PSCs
- Mrs Carolyn Ann Whitfieldceased 17/12/2019· 25-50% shares · 25-50% voting
- Mr Edward John Whitfieldceased 17/12/2019· 25-50% shares · 25-50% voting
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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| CITY GREENS FOODTECH LTD→ 15945777 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| I & M POULTRY FARM (MIDLAND) LIMITED→ 14148609 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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| J & L FARMING LTD→ 16588114 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
6 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 (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | A registered charge | 1 property | 25/06/2015 | — | |
| outstanding | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | Legal charge | 1 property | 02/01/1991 | — |