FLOWER & WHITE LIMITED

🌳Matureactive

07487296 · ltd · incorporated 2011-01-10

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 9.8y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2025

Net worth

£420.3k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Manufacture of bread; manufacture of fresh pastry goods and cakes

Sector: Manufacturing

Investor take

Pursue

Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (60/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 9.8y

70/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 9.8 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 15/100 — clean.

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, 1 SIC codes, incorporation date

100

Financials

1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

9 officers (6 active, 9 linked, 6 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

17 connected companies via shared directors

Filing history

70 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

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 102

Positive net assets

Net assets £420,307

Key financials

1 year extracted from filed iXBRL accounts

Cash

£150k

Net Worth

£420k

Current Assets

£701k

Current Liabilities

—

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-12-31
Total assets	£774.6k
Current assets	£700.8k
Cash	£149.8k
Debtors	£259.3k
Net assets	£420.3k

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

filings

• 5 officers
• 2 persons-with-significant-control
• 1 accounts

Last 90 days

filings

• 5 officers
• 2 accounts
• 2 persons-with-significant-control

Last 180 days

filings

• 5 officers
• 2 accounts
• 2 persons-with-significant-control

Counts from Companies House filing history.

Corporate timeline (39 events)Click to expand

2026-05-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-01
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2026-05-01
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-05-01
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-05-01
📄
appoint-corporate-secretary-company-with-name-date
officers · AP04
2026-05-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-01
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-05-01
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2026-04-29
➕
ONE ADVISORY LIMITED appointed
corporate-secretary
2026-04-29
➕
DUFFY, John Gerald appointed
director
2026-04-29
➕
HILL, Steven Paul appointed
director
2026-04-29
➕
STADDON, Simon Charles appointed
director
2026-04-29
➖
LATTER, Sarah resigned
secretary
2026-04-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-18
➖
SHINGLER, Stephen Andrew resigned
director
2023-06-23
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-06-23
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-06-23
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-05-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-17
📄
change-person-secretary-company-with-change-date
officers · CH03
2022-09-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-31
📄
resolution
resolution · RESOLUTIONS
2022-05-30
📄
memorandum-articles
incorporation · MA
2019-11-01
🔓
Charge satisfied #1
2019-10-11
🔒
Charge registered #3
Lender: Santander UK PLC
2019-05-22
🔓
Charge satisfied #2
2019-05-21
➕
LATTER, Sarah appointed
secretary
2019-05-21
➖
SHINGLER, Stephen Andrew resigned
secretary
2017-03-26
🔒
Charge registered #2
Lender: Lloyds Bank PLC
2016-07-26
🔒
Charge registered #1
Lender: Lloyds Bank PLC
2014-09-16
➕
SHINGLER, Stephen Andrew appointed
director
2012-01-11
➕
SHINGLER, Stephen Andrew appointed
secretary
2011-01-10
🏢
Company incorporated
As FLOWER & WHITE LIMITED
2011-01-10
➕
CROWTHER, Brian Geoffrey William appointed
director
2011-01-10
➕
CROWTHER, Leanne appointed
director

Owner dependency

66/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 64 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

63/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 15 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Finsbury Food Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Finsbury Food Group Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

FLOWER & WHITE LIMITED

This company · 07487296

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Finsbury Food Group Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	29/04/2026

3 historic (ceased) PSCs

Flower And White Holdings Limitedceased 29/04/2026· 75-100% shares · 75-100% voting · board control
Mr Brian Geoffrey William Crowtherceased 21/05/2020· 25-50% shares
Mrs Leanne Crowtherceased 21/05/2020· 25-50% shares

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 · Food & drink · CF postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AFTERBEAT COFFEE LTD LTD→ 15341544 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ALKOHL LTD→ 12202595 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ANTHONY ALAN FOODS LTD→ 04166425 · est 2001 · no financials extracted	—	—	—	—	25y	—	—
APAC FOODS LTD→ 16266081 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
AXELJACK BREWERY LIMITED→ 14861286 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
AYDIN CATERING LIMITED→ 12505732 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
BAHAAR KITCHEN UK LIMITED→ 13070087 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
BAKESTONES LTD→ 15849867 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BON HOMIE DRINKS LTD→ 16068435 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BOO'S BISCUITS LTD→ 16809417 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BRISTOL BREAD LTD→ 15862954 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BRITANNIA BREWERY LTD→ 15249323 · est 2023 · no financials extracted	—	—	—	—	2y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

🔒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

Incorporated2011-01-10

Jurisdictionengland-wales

Primary SIC10710 — Manufacture of bread; manufacture of fresh pastry goods and cakes

Registered office

Maes Y Coed Road

Cardiff

CF14 4XR

United Kingdom

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-01-24

Last: 2026-01-10