STEVEN F WEBSTER LIMITED

🌳Matureactive
SC188876 · ltd · incorporated 1998-08-28
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 Jun 2024
Net worth
£2.78M
book net assets
Opportunity
72/100
Strong
🔔
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What this business does
Primary activity: SIC 46460
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 47710Retail sale of clothing in specialised stores
  • 47730Dispensing chemist in specialised stores
  • 47789Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 72/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (63/100).

🏦

Refinance opportunity

8 live charges · 3 lenders · oldest 27.6y

35/100
too messy

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

  • · Oldest live charge is 27.6 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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

Company profile
address, 4 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 7 with DOB)
84
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
116 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £2,778,697
Net assets shrinking
Down £28,678 YoY
Cash YoY
-5%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1.2m
↓ 4.7% YoY
Net Worth
£2.8m
↓ 1.0% YoY
Current Assets
£2.0m
↓ 2.0% YoY
Current Liabilities
—
£0£561k£1.1m£1.7m£2.2m£2.8mJun 2023Jun 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-06-302023-06-30
Total assets£4.93M£5.47M
Current assets£2.02M£2.06M
Cash£1.24M£1.30M
Debtors£528.8k£515.0k
Net assets£2.78M£2.81M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 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
2
filings
  • • 2 officers
Last 90 days
2
filings
  • • 2 officers
Last 180 days
2
filings
  • • 2 officers
Counts from Companies House filing history.
Corporate timeline (50 events)Click to expand
  1. 2026-04-07
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  2. 2026-04-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2026-03-30
    ➖
    WEBSTER, Stephen resigned
    secretary
  4. 2026-03-30
    ➖
    WEBSTER, Stephen resigned
    director
  5. 2025-06-27
    📄
    accounts-with-accounts-type-group
    accounts · AA
  6. 2024-06-13
    📄
    accounts-with-accounts-type-group
    accounts · AA
  7. 2023-10-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-10-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2023-10-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2023-10-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2023-06-26
    📄
    accounts-with-accounts-type-group
    accounts · AA
  12. 2022-03-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-08-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2021-08-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2021-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2020-08-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2020-07-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2020-07-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2020-07-08
    🔒
    Charge registered #9
    Lender: Bank of Scotland PLC
  20. 2020-07-02
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  21. 2020-07-02
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  22. 2020-07-02
    🔓
    Charge satisfied #8
  23. 2020-07-02
    🔓
    Charge satisfied #7
  24. 2020-07-02
    🔓
    Charge satisfied #5
  25. 2020-07-02
    🔓
    Charge satisfied #3
  26. 2020-06-30
    🔒
    Charge registered #10
    Lender: Bank of Scotland PLC
  27. 2020-02-03
    🔓
    Charge satisfied #1
  28. 2019-01-07
    ➕
    WEBSTER, Diane appointed
    director
  29. 2016-10-04
    ➕
    WEBSTER, Helen Falconer appointed
    director
  30. 2016-10-04
    ➖
    WEBSTER, Helen Falconer resigned
    director
  31. 2015-10-30
    ➖
    WEBSTER, Helen Falconer resigned
    director
  32. 2015-10-04
    ➕
    WEBSTER, Helen Falconer appointed
    director
  33. 2015-10-04
    ➖
    WEBSTER, Helen Falconer resigned
    director
  34. 2015-03-25
    🔓
    Charge satisfied #6
  35. 2005-12-19
    🔒
    Charge registered #8
    Lender: The Royal Bank of Scotland PLC
  36. 2005-12-19
    🔒
    Charge registered #7
    Lender: The Royal Bank of Scotland PLC
  37. 2004-11-24
    🔒
    Charge registered #6
    Lender: Aah Pharmaceuticals Limited and Barclay Pharmaceuticals Limited
  38. 2001-01-01
    ➕
    WEBSTER, Suzanne Elaine appointed
    director
  39. 1999-04-19
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  40. 1998-10-09
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  41. 1998-09-30
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  42. 1998-09-03
    ➕
    WEBSTER, Steven Falconer appointed
    director
  43. 1998-09-03
    ➕
    WEBSTER, Stephen appointed
    secretary
  44. 1998-09-03
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  45. 1998-09-03
    ➕
    WEBSTER, Helen Falconer appointed
    director
  46. 1998-09-03
    ➕
    WEBSTER, Stephen appointed
    director
  47. 1998-09-03
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director
  48. 1998-08-28
    🏢
    Company incorporated
    As STEVEN F WEBSTER LIMITED
  49. 1998-08-28
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  50. 1998-08-28
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director

Owner dependency

83/100
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 "WEBSTER" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100
Strong succession signal

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

SIGNALS
  • primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 28 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

2 med ·
2 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: WEBSTER, Stephen resigned 2026-03-30; WEBSTER, Stephen resigned 2026-03-30

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.

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Ms Suzanne Elaine Webster
Individual · British · DOB 09/1975 · age 51
—25–50%25-50% voting31/10/2017
Mr Steven Falconer Webster
Individual · Scottish · DOB 10/1971 · age 55
25–50%
—25-50% shares06/04/2016
Mr Stephen Webster
Individual · British · DOB 02/1946 · age 80
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • Ms Suzanne Elaine Websterceased 06/04/2016· 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 →

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———————
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
Incorporated1998-08-28
Jurisdictionscotland
Primary SIC46460 — SIC 46460

Registered office

7 Queen Street
Peterhead
Aberdeenshire
AB42 1TN

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-06-30
Confirmation statement
Next due: 2026-09-25
Last: 2025-09-11

Officers (3 active · 7 resigned)

WEBSTER, Diane→
director · ~54y · appointed 2019-01-07
View their other companies + combined net worth →
Active
WEBSTER, Steven Falconer→
director · ~55y · appointed 1998-09-03
View their other companies + combined net worth →
Active
WEBSTER, Suzanne Elaine→
director · ~51y · appointed 2001-01-01
View their other companies + combined net worth →
Active
WEBSTER, Stephen→
secretary · appointed 1998-09-03 · resigned 2026-03-30
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1998-08-28 · resigned 1998-09-03
Resigned
WEBSTER, Helen Falconer→
director · ~75y · appointed 2016-10-04 · resigned 2016-10-04
Resigned
WEBSTER, Helen Falconer→
director · ~75y · appointed 2015-10-04 · resigned 2015-10-30
Resigned
WEBSTER, Helen Falconer→
director · ~75y · appointed 1998-09-03 · resigned 2015-10-04
Resigned
WEBSTER, Stephen→
director · ~80y · appointed 1998-09-03 · resigned 2026-03-30
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 1998-08-28 · resigned 1998-09-03
Resigned

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

Mortgages & charges

8
Total charges
2
Outstanding
1
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property08/07/2020—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—30/06/2020—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property19/12/200502/07/2020
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property19/12/200502/07/2020
satisfied
Aah Pharmaceuticals and Barclay Pharmaceuticals
Aah Pharmaceuticals Limited and Barclay Pharmaceuticals Limited
Floating charge3 properties24/11/200425/03/2015
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property19/04/199902/07/2020
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property09/10/199802/07/2020
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property30/09/199803/02/2020
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (116 total)

termination-secretary-company-with-name-termination-date
officers · TM02
2026-04-07
termination-director-company-with-name-termination-date
officers · TM01
2026-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-23
accounts-with-accounts-type-group
accounts · AA
2025-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-18
accounts-with-accounts-type-group
accounts · AA
2024-06-13
change-person-director-company-with-change-date
officers · CH01
2023-10-26
change-person-director-company-with-change-date
officers · CH01
2023-10-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-26
change-person-director-company-with-change-date
officers · CH01
2023-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-30
accounts-with-accounts-type-group
accounts · AA
2023-06-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-02