PHOENIX COMPLETION SERVICES LIMITED
🌳Matureactive
SC080233 · ltd · incorporated 1982-10-01
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 Oct 2024
Net worth
£1.46M
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Construction of commercial buildings
Sector: Construction
Investor take
PursueAsset-holding vehicle with a 79-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 79). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 34.5y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 34.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
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
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (4 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
106 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £1,464,098
Cash YoY
-19%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£45k
↓ 19% YoY
Net Worth
£1.5m
↑ 14% YoY
Current Assets
£117k
↓ 6.4% YoY
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 |
|---|---|---|
| Total assets | £1.58M | £1.33M |
| Current assets | £116.6k | £124.7k |
| Cash | £44.6k | £55.0k |
| Debtors | £72.0k | £69.6k |
| Net assets | £1.46M | £1.29M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-04-18🔓Charge satisfied #1
- 2017-07-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 1996-11-01➖WHYTE, Barry Jon resigneddirector
- 1993-04-09➕WHYTE, Antony Bruce appointeddirector
- 1993-04-09➕WHYTE, Barry Jon appointeddirector
- 1991-10-28🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1982-10-01🏢Company incorporatedAs PHOENIX COMPLETION SERVICES LIMITED
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 79 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 44 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
cleanNo 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 Bruce Alexander Whyte Individual · British · DOB 08/1947 · age 79 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Linda Jean Whyte Individual · British · DOB 10/1948 · age 78 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| A CROMBIE LTD→ SC527057 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
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| ABFITTERS LTD→ SC812838 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| ABZ FIRE & SECURITY LIMITED→ SC828199 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AC/DC NORTHEAST LIMITED→ SC880720 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACCJB LTD→ SC646422 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADC JOINERY SERVICES LTD→ SC779879 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADVANCED ELECTRICS LIMITED→ SC100047 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
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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.
See pricing →Company details
Statusactive
Typeltd
Incorporated1982-10-01
Jurisdictionscotland
Primary SIC41201 — Construction of commercial buildings
Registered office
100 Union Street
Aberdeen
AB10 1QR
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-09-29
Last: 2025-09-15
Officers (4 active · 1 resigned)
Active
WHYTE, Antony Bruce→
Activedirector · ~51y · appointed 1993-04-09
View their other companies + combined net worth →
Active
Active
WHYTE, Barry Jon→
Resigneddirector · ~49y · appointed 1993-04-09 · resigned 1996-11-01
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 28/10/1991 | 18/04/2018 |
Recent filings (106 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-13
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-21