A S WHITAKER INVESTMENTS LIMITED
🏛️Establishedactive
11758296 · ltd · incorporated 2019-01-09
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£1.35M
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Activities of investment trusts
Sector: Financial & insurance
Investor take
PursueActive trading company with a 81-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 75/100. Strong seller-intent signal (65/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -87% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 7.1y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
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 £1,354,827
Cash draining
Cash down 87% YoY
Cash YoY
-87%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£1k
↓ 87% YoY
Net Worth
£1.4m
↑ 84% YoY
Current Assets
£169k
↑ 451% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1.82M | £881.7k |
| Current assets | £168.8k | £30.6k |
| Cash | £1.4k | £10.8k |
| Debtors | £167.4k | £19.8k |
| Net assets | £1.35M | £736.6k |
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
0
filings
Last 90 days
0
filings
Last 180 days
4
filings
- • 2 mortgage
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2026-03-18📄mortgage-miscellaneousmortgage · MORT MISC
- 2026-01-29📄mortgage-create-with-deed-with-charles-court-order-extend-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-14➖WHITAKER, Sandra Jill resigneddirector
- 2024-11-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-11🔒Charge registered #4Lender: National Westminster Bank PLC
- 2024-05-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-07🔓Charge satisfied #2
- 2024-05-07🔓Charge satisfied #1
- 2024-05-07🔓Charge satisfied #3
- 2024-01-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-01-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-01-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-06-11📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2019-05-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-05-08🔒Charge registered #2Lender: Hsbc UK Bank PLC
- 2019-05-08🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2019-04-30🔒Charge registered #3Lender: Hsbc UK Bank PLC
- 2019-01-09🏢Company incorporatedAs A S WHITAKER INVESTMENTS LIMITED
- 2019-01-09➕WHITAKER, David Harry appointeddirector
- 2019-01-09➕WHITAKER, Helen Mary appointeddirector
- 2019-01-09➕WHITAKER, Phillip Graham appointeddirector
- 2019-01-09➕WHITAKER, Sandra Jill appointeddirector
Owner dependency
88/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Founder name in company name: Company name contains director surname "WHITAKER" — strong identity link between founder and business.
- +Founder age: Director aged approximately 81 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Phillip Graham Whitaker Individual · British · DOB 05/1967 · age 59 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 09/01/2019 |
Mrs Helen Mary Whitaker Individual · British · DOB 10/1966 · age 60 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 09/01/2019 |
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 · PE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2AJF LTD→ 15271718 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A & J QUANT CAPITAL LTD→ 16501402 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A.S MORTGAGE SOLUTIONS LTD→ 15407499 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ADVANCED MORTGAGES LTD→ 12198598 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADVOCATE MORTGAGE & PROTECTION LTD→ 16586658 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGENTIS FINANCIAL AND MORTGAGE SOLUTIONS LIMITED→ 08914933 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| AIIC GROUPCO 1 LTD→ 08318842 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ALBERT CAPITAL LIMITED→ 08917116 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ALEXANDER FINANCE LIMITED→ 01063308 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| ALL ABOUT MORTGAGES LIMITED→ 14872312 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ALL CAR COMPONENTS (NORFOLK) LTD→ 15816778 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALLEN FINANCIAL SERVICES LTD→ 09830867 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2019-01-09
Jurisdictionengland-wales
Primary SIC64301 — Activities of investment trusts
Registered office
C/O Duncan & Toplis Limited Enterprise Way
Pinchbeck
Spalding
Lincolnshire
PE11 3YR
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-22
Last: 2026-01-08
Officers (3 active · 1 resigned)
WHITAKER, David Harry→
Activedirector · ~81y · appointed 2019-01-09
View their other companies + combined net worth →
WHITAKER, Helen Mary→
Activedirector · ~60y · appointed 2019-01-09
View their other companies + combined net worth →
WHITAKER, Phillip Graham→
Activedirector · ~59y · appointed 2019-01-09
View their other companies + combined net worth →
WHITAKER, Sandra Jill→
Resigneddirector · ~81y · appointed 2019-01-09 · resigned 2025-02-14
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 2 properties | 11/06/2024 | — | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 2 properties | 08/05/2019 | 07/05/2024 | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 2 properties | 08/05/2019 | 07/05/2024 | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 30/04/2019 | 07/05/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (28 total)
mortgage-miscellaneous
mortgage · MORT MISC
2026-03-18
mortgage-create-with-deed-with-charles-court-order-extend-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-29
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-30
termination-director-company-with-name-termination-date
officers · TM01
2025-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-06
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-07
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-07
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-10