C & W WHITE LTD

🌳Matureactive

SC517761 · ltd · incorporated 2015-10-12

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 10.2y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Oct 2024

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Public houses and bars

Sector: Accommodation & food service

Investor take

Pursue

Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 10.2y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 10.2 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

23 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-10-31	2023-10-31
Average employees	500	300

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

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (18 events)Click to expand

2025-06-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-04-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-09-13
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2017-07-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-02-26
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2016-02-10
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
2016-01-27
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2016-01-26
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2015-10-12
🏢
Company incorporated
As C & W WHITE LTD
2015-10-12
➕
WHITE, Cherise appointed
director
2015-10-12
➕
WHITE, William appointed
director
2015-10-12
📄
incorporation-company
incorporation · NEWINC

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder name in company name: Company name contains director surname "WHITE" — strong identity link between founder and business.
+Founder age: Director aged approximately 65 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

61/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr William White Individual · British · DOB 12/1961 · age 65	25–50%	25–50%	25-50% shares · 25-50% voting	07/04/2016
Mrs Cherise White Individual · British · DOB 07/1964 · age 62	25–50%	—	25-50% shares	07/04/2016

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

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D DELIGHTS LTD→ SC612515 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
DURA HOUSE GUEST SERVICES LIMITED→ SC855555 · est 2025 · no financials extracted	—	—	—	—	—	—	—
EAST NEUK HOLIDAYS LTD→ SC720909 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
EDENSIDE HOUSE GUEST ROOMS LTD→ SC635232 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
EJH TRADING LIMITED→ SC710147 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
ELIE HOLIDAY PARK LIMITED→ SC657186 · est 2020 · no financials extracted	—	—	—	—	6y	—	—

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 →

🔒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.

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Company details

Statusactive

Typeltd

Incorporated2015-10-12

Jurisdictionscotland

Primary SIC56302 — Public houses and bars

Registered office

13 Dallas Avenue Dallas Avenue

Burntisland

KY3 9ET

Scotland

Filing status

Accounts

Next due: 2026-07-31

Last made up to: 2024-10-31

Confirmation statement

Next due: 2026-10-24

Last: 2025-10-10

Officers (2 active · 0 resigned)

WHITE, Cherise→

director · ~62y · appointed 2015-10-12

View their other companies + combined net worth →

Active

WHITE, William→

director · ~65y · appointed 2015-10-12

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	A registered charge	1 property	10/02/2016	—
	outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	A registered charge	—	26/01/2016	—

Click column headers to sort. Use filters above to narrow by status and lender.