COMMERCIAL WHOLESALE TRADING LIMITED

🌳Matureactive

04130289 · ltd · incorporated 2000-12-19

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 25.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Apr 2025

Net worth

£8.0k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Retail sale of electrical household appliances in specialised stores

Sector: Wholesale & retail

Investor take

Pursue

Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 65). 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

1 live charge · oldest 25.3y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 25.3 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: medium (77/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

8 officers (3 active, 8 linked, 4 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

70 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £8,032

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£8k

↑ 31% YoY

Current Assets

£72k

↓ 26% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-04-30	2024-04-30
Total assets	£12.8k	£24.1k
Current assets	£72.2k	£96.9k
Net assets	£8.0k	£6.1k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (29 events)Click to expand

2026-01-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-01-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-01-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-01-03
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-01-03
📄
change-person-director-company-with-change-date
officers · CH01
2017-01-26
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2017-01-26
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-01-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2015-05-01
➖
GILL, Helen resigned
director
2015-03-23
➕
COE, Philip Colin appointed
director
2006-08-04
➕
GILL, Helen appointed
secretary
2006-08-04
➕
COE, Michael appointed
director
2006-08-04
➖
KING, Gillian Hazel resigned
secretary
2006-08-04
➕
GILL, Helen appointed
director
2006-08-04
➖
KING, Brian Edward resigned
director
2001-04-23
🔒
Charge registered #1
Lender: National Westminster Bank PLC
2000-12-19
🏢
Company incorporated
As COMMERCIAL WHOLESALE TRADING LIMITED
2000-12-19
➕
KING, Gillian Hazel appointed
secretary
2000-12-19
➕
YORK PLACE COMPANY SECRETARIES LIMITED appointed
corporate-nominee-secretary
2000-12-19
➖
YORK PLACE COMPANY SECRETARIES LIMITED resigned
corporate-nominee-secretary
2000-12-19
➕
KING, Brian Edward appointed
director
2000-12-19
➕
YORK PLACE COMPANY NOMINEES LIMITED appointed
corporate-nominee-director
2000-12-19
➖
YORK PLACE COMPANY NOMINEES LIMITED resigned
corporate-nominee-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 20 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

79/100

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.
secondary12+ year tenure: Director in role 20 years.
secondaryStable-but-static management: Company is 26 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

Name	Shares	Voting rights	Nature of control	Notified
Mr Michael Coe Individual · British · DOB 07/1961 · age 65	25–50%	—	25-50% shares	06/04/2016
Mr Philip Colin Coe Individual · British · DOB 07/1984 · age 42	25–50%	—	25-50% shares	06/04/2016

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

Incorporated2000-12-19

Jurisdictionengland-wales

Primary SIC47540 — Retail sale of electrical household appliances in specialised stores

Registered office

Tattersall House

East Parade

Harrogate

HG1 5LT

England

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2026-12-29

Last: 2025-12-15

Officers (3 active · 5 resigned)

GILL, Helen→

secretary · appointed 2006-08-04

View their other companies + combined net worth →

Active

COE, Michael→

director · ~65y · appointed 2006-08-04

View their other companies + combined net worth →

Active

COE, Philip Colin→

director · ~42y · appointed 2015-03-23

View their other companies + combined net worth →

Active

KING, Gillian Hazel→

secretary · appointed 2000-12-19 · resigned 2006-08-04

Resigned

YORK PLACE COMPANY SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2000-12-19 · resigned 2000-12-19

Resigned

GILL, Helen→

director · ~64y · appointed 2006-08-04 · resigned 2015-05-01

Resigned

KING, Brian Edward→

director · ~79y · appointed 2000-12-19 · resigned 2006-08-04

Resigned

YORK PLACE COMPANY NOMINEES LIMITED→

corporate-nominee-director · appointed 2000-12-19 · resigned 2000-12-19

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	National Westminster Bank National Westminster Bank PLC	Mortgage debenture	1 property	23/04/2001	—

Click column headers to sort. Use filters above to narrow by status and lender.