SPM DAWSON WHYTE (LIFE & PENSIONS) LIMITED

💤Zombieactive
NI019666 · ltd · incorporated 1986-07-18
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 67). 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 (73/100).

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (1 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
110 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£29k£59k£88k£118k£147kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets—£109.0k
Current assets—£147.3k
Cash—£147.3k
Net assets—£92.2k
Average employees400—

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
1
filing
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2025-12-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  2. 2025-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-10-01
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-09-06
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2023-08-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2023-08-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2022-07-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2021-06-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2020-06-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2019-08-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2018-06-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2017-08-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-01-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2016-11-14
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-08-20
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  16. 2015-04-02
    ➕
    MOLES, Stephen Philip appointed
    director
  17. 2015-04-02
    ➖
    WHYTE, James Andrew Gordon resigned
    secretary
  18. 2015-04-02
    ➖
    DAWSON, William Albert Brian resigned
    director
  19. 2015-04-02
    ➖
    WHYTE, James Andrew Gordon resigned
    director
  20. 2003-09-01
    ➖
    DAWSON, William W resigned
    director
  21. 1986-07-18
    🏢
    Company incorporated
    As SPM DAWSON WHYTE (LIFE & PENSIONS) LIMITED
  22. 1986-07-18
    ➕
    WHYTE, James Andrew Gordon appointed
    secretary
  23. 1986-07-18
    ➕
    DAWSON, William Albert Brian appointed
    director
  24. 1986-07-18
    ➕
    DAWSON, William W appointed
    director
  25. 1986-07-18
    ➕
    WHYTE, James Andrew Gordon appointed
    director

Owner dependency

90/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

80/100
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 67. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondaryStable-but-static management: Company is 40 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
NameSharesVoting rightsNature of controlNotified
Mr Stephen Philip Moles
Individual · British · DOB 03/1959 · age 67
25–50%
—25-50% shares13/08/2016
Mrs Stephanie Moles
Individual · British · DOB 10/1963 · age 63
25–50%
—25-50% shares06/04/2016

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

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 →
🔒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
Incorporated1986-07-18
Jurisdictionnorthern-ireland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

1a Church View
Holywood
BT18 9DP
Northern Ireland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-27
Last: 2025-08-13

Officers (1 active · 4 resigned)

MOLES, Stephen Philip→
director · ~67y · appointed 2015-04-02
View their other companies + combined net worth →
Active
WHYTE, James Andrew Gordon→
secretary · appointed 1986-07-18 · resigned 2015-04-02
Resigned
DAWSON, William Albert Brian→
director · ~73y · appointed 1986-07-18 · resigned 2015-04-02
Resigned
DAWSON, William W→
director · ~107y · appointed 1986-07-18 · resigned 2003-09-01
Resigned
WHYTE, James Andrew Gordon→
director · ~80y · appointed 1986-07-18 · resigned 2015-04-02
Resigned

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

Recent filings (110 total)

notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-12-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-10-01
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-06
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-31
change-person-director-company-with-change-date
officers · CH01
2023-08-31
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-07-20
confirmation-statement-with-updates
confirmation-statement · CS01
2021-08-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-06-02