MURRAY, SABLE & WHITE INVESTMENTS LTD
Opportunity 73/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -75% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · oldest 5.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £187.2k | £195.3k |
| Current assets | £955 | £2.0k |
| Cash | £342 | £1.4k |
| Debtors | £613 | £581 |
| Net assets | £2.8k | £1.7k |
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 accounts
- • 1 accounts
Corporate timeline (17 events)Click to expand
- 2026-03-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-29🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2023-02-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-05-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-28🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2021-02-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-01-19🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2020-06-03🏢Company incorporatedAs MURRAY, SABLE & WHITE INVESTMENTS LTD
- 2020-06-03➕MURRAY, Natalie appointeddirector
- 2020-06-03➕MURRAY, Stuart appointeddirector
- 2020-06-03📄incorporation-companyincorporation · NEWINC
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.
- +Founder name in company name: Company name contains director surname "MURRAY" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stuart Murray Individual · British · DOB 06/1983 · age 43 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/06/2020 |
Mrs Natalie Murray Individual · British · DOB 03/1986 · age 40 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/06/2020 |
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.
See pricing →Similar companies
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| PEEBLES PROPERTY GROUP LIMITED→ SC791414 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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| PETER MURPHY LTD→ SC840798 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 29/05/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 28/07/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 19/01/2021 | — |