CHARLES WHITE (N.I.) LIMITED

🌳Matureactive
SC385314 · ltd · incorporated 2010-09-13
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Management of real estate on a fee or contract basis
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 60-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 60). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 1.0y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 1.0 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
7 officers (3 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-09-302024-09-30
Average employees14800

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

🔒Filing-note intelligence

2 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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-02-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-05-06
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  4. 2025-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-06-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-01-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2023-12-31
    ➖
    HUTTON, John David resigned
    director
  8. 2023-06-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-03-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2022-04-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-04-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-06-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-06-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-06-19
    📄
    accounts-with-accounts-type-group
    accounts · AA
  15. 2017-05-12
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-06-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2015-09-29
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2014-09-08
    ➖
    PURVES, John Ronald resigned
    director
  19. 2010-10-01
    ➕
    BACKER, Catherine Naomi appointed
    director
  20. 2010-10-01
    ➕
    PURVES, John Ronald appointed
    director
  21. 2010-09-13
    🏢
    Company incorporated
    As CHARLES WHITE (N.I.) LIMITED
  22. 2010-09-13
    ➕
    BACKLER, Catherine Naomi appointed
    secretary
  23. 2010-09-13
    ➕
    BACKLER, Edwin Andrew appointed
    director
  24. 2010-09-13
    ➕
    BRIAN REID LTD. appointed
    corporate-secretary
  25. 2010-09-13
    ➖
    BRIAN REID LTD. resigned
    corporate-secretary
  26. 2010-09-13
    ➕
    HUTTON, John David appointed
    director
  27. 2010-09-13
    ➕
    MABBOTT, Stephen George appointed
    director
  28. 2010-09-13
    ➖
    MABBOTT, Stephen George resigned
    director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 16 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.)

Group structure

Charles White Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Charles White Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
CHARLES WHITE (N.I.) LIMITED
This company · SC385314

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Charles White Limited
Corporate entity
75–100%
—75-100% shares30/06/2016

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
Incorporated2010-09-13
Jurisdictionscotland
Primary SIC68320 — Management of real estate on a fee or contract basis

Registered office

14 New Mart Road
Edinburgh
EH14 1RL
Scotland

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-27
Last: 2025-09-13

Officers (3 active · 4 resigned)

BACKLER, Catherine Naomi→
secretary · appointed 2010-09-13
View their other companies + combined net worth →
Active
BACKER, Catherine Naomi→
director · ~51y · appointed 2010-10-01
View their other companies + combined net worth →
Active
BACKLER, Edwin Andrew→
director · ~60y · appointed 2010-09-13
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-secretary · appointed 2010-09-13 · resigned 2010-09-13
Resigned
HUTTON, John David→
director · ~65y · appointed 2010-09-13 · resigned 2023-12-31
Resigned
MABBOTT, Stephen George→
director · ~76y · appointed 2010-09-13 · resigned 2010-09-13
Resigned
PURVES, John Ronald→
director · ~77y · appointed 2010-10-01 · resigned 2014-09-08
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
National Westminster Bank
National Westminster Bank PLC
A registered charge—06/05/2025—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (45 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-05
termination-director-company-with-name-termination-date
officers · TM01
2024-01-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-15