STEPHEN WHITE DEVELOPMENTS LTD.

💤Zombieactive
SC210101 · ltd · incorporated 2000-08-17
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 Aug 2024
Net worth
£7.7k
book net assets
Opportunity
82/100
Exceptional
🔔
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What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 25.3y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 25.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (76/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
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 £7,747

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£8k
Current Assets
£20k
Current Liabilities
—
£0£4k£8k£12k£16k£20kAug 2023Aug 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-08-312023-08-31
Total assets£27.7k—
Current assets£19.6k—
Net assets£7.7k—
Average employees—100

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-08-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-05-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-05-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-05-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-08-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2019-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-05-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-06-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-09-14
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-05-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2014-09-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2001-02-02
    🔒
    Charge registered #1
    Lender: Bruce John Robertson
  17. 2000-08-17
    🏢
    Company incorporated
    As STEPHEN WHITE DEVELOPMENTS LTD.
  18. 2000-08-17
    ➕
    WHITE, Deborah Jane appointed
    secretary
  19. 2000-08-17
    ➕
    WHITE, Stephen appointed
    director
  20. 2000-08-17
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  21. 2000-08-17
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  22. 2000-08-17
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  23. 2000-08-17
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

100/100
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 name in company name: Company name contains director surname "WHITE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

95/100
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 63. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 26 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Stephen William White
Individual · British · DOB 03/1963 · age 63
——sig. influencesignificant influence06/04/2016

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

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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
T. & N. GILMARTIN (CONTRACTORS) LIMITED→
SC105726 · est 1987
£3.97M
£2.83M–£5.10M
——8538y8859y
CARTMORE BUILDING SUPPLY COMPANY LIMITED→
SC100217 · est 1986
£120.6k
£86.1k–£155.0k
£16.41M—280039y8378y
AMBER ROOFING LIMITED→
SC130516 · est 1991
——£709.2k—35y8359y
CAMPBELL & GAY (BUILDERS) LIMITED→
SC215346 · est 2001
———40025y8362y
CLOVECREST LIMITED→
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———021y8364y
DOE SPORT (NORTH) LIMITED→
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———230030y8368y
FREDERICK WILSON (PROPERTIES) LIMITED→
SC217110 · est 2001
———20025y8362y
HY SPEC SERVICES LIMITED→
SC147444 · est 1993 · no financials extracted
————32y8369y
J R F CHIMNEY SPECIALISTS & HEATING DISTRIBUTORS LIMITED→
SC109701 · est 1988
———1638y8386y
JAGDIS PROPERTIES LIMITED→
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———20016y8363y
THOMSON HOMES LIMITED→
SC247470 · est 2003 · no financials extracted
————23y——
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————4y——
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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2000-08-17
Jurisdictionscotland
Primary SIC41202 — Construction of domestic buildings

Registered office

3 High Street
Kinghorn
Burntisland
KY3 9UW
Scotland

Filing status

Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-09-10
Last: 2025-08-27

Officers (2 active · 2 resigned)

WHITE, Deborah Jane→
secretary · appointed 2000-08-17
View their other companies + combined net worth →
Active
WHITE, Stephen→
director · ~63y · appointed 2000-08-17
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2000-08-17 · resigned 2000-08-17
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2000-08-17 · resigned 2000-08-17
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Bruce John Robertson / Marion Naomi Watson or Robertson
Standard security1 property02/02/2001—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (61 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-27