J & W TAIT LIMITED

🌳Matureactive
SC030430 · ltd · incorporated 1954-12-02
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£4.92M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: SIC 01629
Sector: Agriculture, forestry & fishing
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

5 live charges · 3 lenders · oldest 52.0y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 52.0 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 43/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
10 officers (4 active, 10 linked, 8 with DOB)
86
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
118 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £4,919,904
Net assets shrinking
Down £238,789 YoY
Cash YoY
+6%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£740
↑ 6.3% YoY
Net Worth
£4.9m
↓ 4.6% YoY
Current Assets
£2.2m
↓ 44% YoY
Current Liabilities
—
£0£1.0m£2.1m£3.1m£4.1m£5.2mOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Total assets£4.97M£5.24M
Current assets£2.15M£3.84M
Cash£740£696
Debtors£857.6k£1.09M
Net assets£4.92M£5.16M

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
1
filing
  • • 1 persons-with-significant-control
Last 90 days
1
filing
  • • 1 persons-with-significant-control
Last 180 days
5
filings
  • • 3 persons-with-significant-control
  • • 2 capital
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
  1. 2026-04-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-01-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-01-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2026-01-13
    📄
    capital-cancellation-shares
    capital · SH06
  5. 2026-01-08
    📄
    capital-return-purchase-own-shares
    capital · SH03
  6. 2025-07-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-07-09
    ➖
    JOHNSON, Mark Timothy resigned
    director
  8. 2025-06-05
    📄
    mortgage-charge-whole-release-with-charge-number
    mortgage · MR05
  9. 2025-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2024-04-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2024-04-15
    📄
    capital-return-purchase-own-shares
    capital · SH03
  12. 2024-04-11
    📄
    capital-cancellation-shares
    capital · SH06
  13. 2024-04-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2024-04-08
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  15. 2024-03-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2024-03-21
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  17. 2024-03-21
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  18. 2024-03-21
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2024-03-20
    ➕
    BURNS, Karen Louise appointed
    secretary
  20. 2024-03-20
    ➖
    TAIT, Charles William resigned
    secretary
  21. 2024-03-20
    ➖
    TAIT, Charles William resigned
    director
  22. 2023-07-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2022-07-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2021-07-09
    📄
    accounts-with-accounts-type-small
    accounts · AA
  25. 2018-12-19
    ➕
    BURNS, Karen Louise appointed
    director
  26. 2018-12-19
    ➕
    JOHNSON, Mark Timothy appointed
    director
  27. 2018-12-19
    ➖
    PYKE, Karen resigned
    director
  28. 2011-09-07
    ➖
    TAIT, William Isbister resigned
    director
  29. 2011-08-20
    ➕
    TAIT, Allison Leonard appointed
    director
  30. 2010-09-28
    🔓
    Charge satisfied #8
  31. 2006-12-11
    ➖
    TAIT, Erland John resigned
    director
  32. 1998-07-10
    🔒
    Charge registered #8
    Lender: Volkswagen Financial Services (UK) Limited
  33. 1992-06-17
    🔒
    Charge registered #6
    Lender: Humberclyde Finance Group Limited
  34. 1980-06-04
    🔒
    Charge registered #5
    Lender: The Governor and Company of the Bank of Scotland
  35. 1979-03-08
    🔒
    Charge registered #4
    Lender: The Governor and Company of the Bank of Scotland
  36. 1974-04-09
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  37. 1954-12-02
    🏢
    Company incorporated
    As J & W TAIT LIMITED

Owner dependency

88/100
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
  • +Founder name in company name: Company name contains director surname "TAIT" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 74 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • 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

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 Peter Isbister Tait
Individual · British · DOB 07/1952 · age 74
25–50%
—25-50% shares24/11/2025
Ms Allison Leonard Tait
Individual · British · DOB 04/1981 · age 45
25–50%
25–50%25-50% shares · 25-50% voting20/03/2024
1 historic (ceased) PSC
  • Mr Peter Isbister Taitceased 21/05/2020· 25-50% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Agriculture · KW postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
BRECK FARM LIMITED→
SC282508 · est 2005
———10021y8359y
ORKNEY SHELLFISH LIMITED→
SC138531 · est 1992
——£174.7k—33y8361y
BINSCARTH LIMITED→
SC251665 · est 2003
———022y8270y
CELTIC DAWN FISHING LIMITED→
SC263213 · est 2004
——£2.01M—22y8262y
E S H HARCUS LIMITED→
SC375460 · est 2010
———60016y8278y
ERLEND FLETT PLANT HIRE→
SC081510 · est 1983 · no financials extracted
————43y8281y
FORSE FARMS LTD→
SC388765 · est 2010
——£561.7k—15y8272y
GEORTH FARMS→
SC270361 · est 2004 · no financials extracted
————21y8278y
J STEVENSON & SON LIMITED→
SC420824 · est 2012 · no financials extracted
————14y——
M MACKENZIE SERVICES LTD→
SC860867 · est 2025 · no financials extracted
———————
ROWANPOINT LIMITED→
SC572720 · est 2017 · no financials extracted
————8y——
SEA CHANCE LIMITED→
SC706337 · est 2021 · no financials extracted
————4y——
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
Incorporated1954-12-02
Jurisdictionscotland
Primary SIC01629 — SIC 01629

Registered office

Sparrowhawk Road
Hatston Industrial E
Kirkwall
Isle Of Orkney
KW15 1RE

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-12
Last: 2025-09-28

Officers (4 active · 6 resigned)

BURNS, Karen Louise→
secretary · appointed 2024-03-20
View their other companies + combined net worth →
Active
BURNS, Karen Louise→
director · ~56y · appointed 2018-12-19
View their other companies + combined net worth →
Active
TAIT, Allison Leonard→
director · ~45y · appointed 2011-08-20
View their other companies + combined net worth →
Active
TAIT, Peter Isbister→
director · ~74y
View their other companies + combined net worth →
Active
TAIT, Charles William→
secretary · resigned 2024-03-20
Resigned
JOHNSON, Mark Timothy→
director · ~59y · appointed 2018-12-19 · resigned 2025-07-09
Resigned
PYKE, Karen→
director · ~74y · resigned 2018-12-19
Resigned
TAIT, Charles William→
director · ~75y · resigned 2024-03-20
Resigned
TAIT, Erland John→
director · ~74y · resigned 2006-12-11
Resigned
TAIT, William Isbister→
director · ~106y · resigned 2011-09-07
Resigned

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

Mortgages & charges

5
Total charges
4
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
satisfied
Volkswagen Financial Services (UK)
Volkswagen Financial Services (UK) Limited
Debenture1 property10/07/199828/09/2010
outstanding
Humberclyde Finance Group
Humberclyde Finance Group Limited
Standard security1 property17/06/1992—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property04/06/1980—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property08/03/1979—
part-satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property09/04/1974—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (118 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-01-26
capital-cancellation-shares
capital · SH06
2026-01-13
capital-return-purchase-own-shares
capital · SH03
2026-01-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-30
termination-director-company-with-name-termination-date
officers · TM01
2025-07-10
mortgage-charge-whole-release-with-charge-number
mortgage · MR05
2025-06-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-24
capital-return-purchase-own-shares
capital · SH03
2024-04-15
capital-cancellation-shares
capital · SH06
2024-04-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-04-08
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2024-04-08