R. & F. WILMOT LTD.
Opportunity 82/100 (exceptional), bankability 65/100. Strong seller-intent signal (70/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 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
4 live charges · 2 lenders · oldest 15.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 15.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
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 |
|---|---|---|
| Average employees | 700 | 700 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
Corporate timeline (26 events)Click to expand
- 2025-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-01-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-07-18🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2017-11-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-07📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-03-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-10-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2010-08-25🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2010-08-25🔒Charge registered #2Lender: Royal Bank of Scotland PLC
- 2010-08-16🔒Charge registered #1Lender: Royal Bank of Scotland PLC
- 2004-01-26🏢Company incorporatedAs R. & F. WILMOT LTD.
- 2004-01-26➕WILMOT, Fiona appointedsecretary
- 2004-01-26➕WILMOT, Richard appointeddirector
- 2004-01-26➕BRIAN REID LTD. appointedcorporate-nominee-secretary
- 2004-01-26➖BRIAN REID LTD. resignedcorporate-nominee-secretary
- 2004-01-26➕STEPHEN MABBOTT LTD. appointedcorporate-nominee-director
- 2004-01-26➖STEPHEN MABBOTT LTD. resignedcorporate-nominee-director
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.
- +Founder name in company name: Company name contains director surname "WILMOT" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Fiona Wilmot Individual · British · DOB 02/1969 · age 57 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 01/06/2016 |
Mr Richard Wilmot Individual · United Kingdom · DOB 08/1966 · age 60 | 25–50% | — | 25-50% shares | 10/01/2017 |
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 (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 18/07/2018 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 25/08/2010 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 25/08/2010 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Floating charge | 1 property | 16/08/2010 | — |