CYCLEWISE WHINLATTER LTD
- · Oldest live charge 10.8y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
2 live charges · oldest 10.8y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 · accounting standard unknown| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Average employees | 2100 | 2100 |
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
- • 2 officers
- • 1 confirmation-statement
Corporate timeline (32 events)Click to expand
- 2026-03-04📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-03📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2023-03-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-03-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-10📄capital-name-of-class-of-sharescapital · SH08
- 2022-05-23📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-05-01➖MARTIN, Susan resignedsecretary
- 2021-10-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-09📄change-person-director-company-with-change-dateofficers · CH01
- 2019-10-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-10-09📄change-person-director-company-with-change-dateofficers · CH01
- 2019-10-09📄change-person-secretary-company-with-change-dateofficers · CH03
- 2015-10-28🔒Charge registered #2Lender: National Westminster Bank PLC
- 2015-09-23➕MARTIN, Susan Mary appointeddirector
- 2015-09-23➕SCOTT, Amy Louise appointeddirector
- 2015-09-21🔒Charge registered #1Lender: National Westminster Bank PLC
- 2009-10-02➕SCOTT, Amy Louise appointedsecretary
- 2008-01-22➕MARTIN, Richard John D appointeddirector
- 2008-01-22➕SCOTT, Craig appointeddirector
- 2008-01-22➖MARTIN, Susan resigneddirector
- 2008-01-22➖SCOTT, Amy resigneddirector
- 2007-02-19🏢Company incorporatedAs CYCLEWISE WHINLATTER LTD
- 2007-02-19➕MARTIN, Susan appointedsecretary
- 2007-02-19➕MARTIN, Susan appointeddirector
- 2007-02-19➕SCOTT, Amy appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 19 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
cleanRadial 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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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 (5 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 2 properties | 28/10/2015 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 21/09/2015 | — |