W. H. MCWILLIAM LIMITED
- · Oldest live charge 17.1y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 68). 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 (65/100).
Refinance opportunity
2 live charges · oldest 17.1y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 17.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)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.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key 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 | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £670.0k | £568.7k |
| Current assets | £494.9k | £439.2k |
| Cash | £148.2k | £96.6k |
| Debtors | £346.7k | £342.6k |
| Net assets | £474.4k | £410.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (21 events)Click to expand
- 2026-01-22📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-14📄capital-allotment-sharescapital · SH01
- 2017-11-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-14📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-11-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-12-15📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-12-16🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2009-06-12🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2008-12-16🏢Company incorporatedAs W. H. MCWILLIAM LIMITED
- 2008-12-16➕THOMSON, Derek Hunter appointedsecretary
- 2008-12-16➕THOMSON, Derek Hunter appointeddirector
- 2008-12-16➕THOMSON, Maybelle Janet Mckay appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Derek Hunter Thomson Individual · British · DOB 09/1958 · age 68 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (3 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 16/12/2013 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 12/06/2009 | — |