1WSBH LTD
Opportunity 69/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
5 live charges · 2 lenders · oldest 2.9y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 2.9 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
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 | 2025-01-31 | 2024-01-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (23 events)Click to expand
- 2025-10-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-03-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-14🔒Charge registered #5Lender: First Merchant Finance Limited
- 2024-06-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-31🔒Charge registered #4Lender: First Merchant Finance PLC
- 2024-05-31🔒Charge registered #3Lender: First Merchant Finance PLC
- 2024-04-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-03-19📄change-person-director-company-with-change-dateofficers · CH01
- 2024-03-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-20🔒Charge registered #2Lender: First Merchant Finance PLC
- 2023-07-20🔒Charge registered #1Lender: First Merchant Finance PLC
- 2023-06-26📄change-person-director-company-with-change-dateofficers · CH01
- 2023-06-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-02-19📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-08-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-03-02📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-02-01📄resolutionresolution · RESOLUTIONS
- 2021-01-25🏢Company incorporatedAs 1WSBH LTD
- 2021-01-25➕LOWRY, Nathan Nicholas appointeddirector
- 2021-01-25📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Nathan Nicholas Lowry Individual · British · DOB 03/1972 · age 54 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/01/2021 |
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.
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8 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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | First Merchant Finance First Merchant Finance Limited | A registered charge | — | 14/03/2025 | — | |
| outstanding | First Merchant Finance First Merchant Finance PLC | A registered charge | 1 property | 31/05/2024 | — | |
| outstanding | First Merchant Finance First Merchant Finance PLC | A registered charge | — | 31/05/2024 | — | |
| outstanding | First Merchant Finance First Merchant Finance PLC | A registered charge | 1 property | 20/07/2023 | — | |
| outstanding | First Merchant Finance First Merchant Finance PLC | A registered charge | 1 property | 20/07/2023 | — |