DAVID BAIRD (WHITEMOSS) LIMITED
- · Oldest live charge 34.3y old — refinance window within 12 months
Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (68/100, director aged 94). 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 (73/100).
Refinance opportunity
1 live charge · oldest 34.3y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 34.3 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 (78/100)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.
Key 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 | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Average employees | 0 | 0 |
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
Corporate timeline (21 events)Click to expand
- 2025-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-20📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-12-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-08-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-27📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2020-12-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-08📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-12-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-30➖KAY, Jean Mcmorran Thomson resignedsecretary
- 2020-09-30➖KAY, Jean Mcmorran Thomson resigneddirector
- 2019-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-04-06➕KAY, David Andrew appointeddirector
- 2018-04-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-03-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 1992-01-09🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1952-08-09🏢Company incorporatedAs DAVID BAIRD (WHITEMOSS) LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 94 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 94 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 74 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Kay Individual · British · DOB 10/1932 · age 94 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Jean Mcmorran Thomson Kayceased 30/09/2020· 25-50% shares
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 (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 09/01/1992 | — |