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.

Why now

Window steady · medium confidence

Mixed signals — 1 changes over 30 days, no clear direction yet.

· Filings: 23 → 24

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 10.5y old — refinance window within 12 months

What changed my view

Last 30 days

Picture improved over the last 30 days — 1 positive signal vs 0 negative.

↑Filings: 23 → 24

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Oct 2025

Net worth

—

book net assets

Opportunity

79/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

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 10.5y

85/100

ready

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

· Oldest live charge is 10.5 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (84/100)

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

Company profile

address, 1 SIC codes, incorporation date

100

Financials

3 years of iXBRL accounts extracted + 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

24 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

3 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	2025-10-31	2024-10-31	2023-10-31
Average employees	500	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

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2026-04-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
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.

Similar companies

Active · Hospitality · KY postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CITY HOTELS (DUNFERMLINE) LIMITED→ SC267931 · est 2004	£3.64M £2.73M–£4.55M	—	—	104	22y	81	75y
ABBEYFORD CARAVAN COMPANY (SCOTLAND) LIMITED→ SC089169 · est 1984 · no financials extracted	—	—	—	—	41y	83	71y
DRUMOIG GOLF LIMITED→ SC356193 · est 2009	—	—	—	300	17y	83	62y
P.E.M. (KIRKCALDY) LIMITED→ SC171947 · est 1997	—	—	—	1700	29y	83	62y
THE EAST COAST PUB COMPANY LIMITED→ SC273238 · est 2004	—	—	—	1200	21y	83	58y
A & D BAR SERVICES LTD→ SC372775 · est 2010	—	—	—	2300	16y	82	59y
ADMINISTRATION OFFICE FOR EXAMINATIONS (UK) LIMITED→ SC191297 · est 1998 · no financials extracted	—	—	—	—	27y	82	77y
D.M.H. LETTINGS LTD→ SC163754 · est 1996	—	—	£308.8k	—	30y	82	60y
FLYING KEG LIMITED→ SC400391 · est 2011	—	—	£1.5k	—	15y	82	67y
GARVOCK LIMITED→ SC143272 · est 1993	—	—	—	53	33y	82	62y
KINGDOM HOTELS LIMITED→ SC336910 · est 2008 · no financials extracted	—	—	—	—	18y	82	81y
MOLINARO LIMITED→ SC380830 · est 2010	—	—	£2.31M	—	16y	82	62y

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: 2027-07-31

Last made up to: 2025-10-31

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.