KWIKPAC LIMITED
Opportunity 75/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (78/100).
Refinance opportunity
4 live charges · 3 lenders · oldest 16.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 16.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
- · Profitable and stable/growing — lender coverage supportable.
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 · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Profit before tax | £2.18M | £2.17M |
| Average employees | 36 | 3300 |
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
- • 3 officers
- • 2 confirmation-statement
- • 2 capital
- • 3 officers
- • 2 confirmation-statement
- • 2 capital
- • 3 officers
- • 2 confirmation-statement
- • 2 capital
Corporate timeline (34 events)Click to expand
- 2026-03-27📄capital-name-of-class-of-sharescapital · SH08
- 2026-03-27📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2026-03-27📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-25📄resolutionresolution · RESOLUTIONS
- 2026-03-25📄memorandum-articlesincorporation · MA
- 2026-03-25📄resolutionresolution · RESOLUTIONS
- 2026-03-25📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-03-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-24➖HARMER, Andrew David resignedsecretary
- 2026-03-24➖HARMER, Andrew David resigneddirector
- 2025-09-29📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-30📄accounts-with-accounts-type-fullaccounts · AA
- 2023-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-01-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-07-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-05➖HARMER, Catherine Macpherson resigneddirector
- 2017-04-07🔓Charge satisfied #4
- 2013-12-24🔒Charge registered #4Lender: Bank of Scotland PLC
- 2012-11-30🔓Charge satisfied #1
- 2012-11-29🔓Charge satisfied #2
- 2009-09-21🔒Charge registered #3Lender: The Fife Council
- 2009-09-21🔒Charge registered #2Lender: Lloyds Tsb Scotland PLC
- 2009-08-05🔒Charge registered #1Lender: Lloyds Tsb Scotland PLC
- 2006-12-19🏢Company incorporatedAs KWIKPAC LIMITED
- 2006-12-19➕HARMER, Allan Ralph appointeddirector
- 2006-12-19➕HARMER, Ronny Graham appointeddirector
- 2006-12-19➕HARMER, Ted appointeddirector
- 2006-12-19➕HARMER, Andrew David appointedsecretary
- 2006-12-19➕HARMER, Andrew David appointeddirector
- 2006-12-19➕HARMER, Catherine Macpherson appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 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
1 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: HARMER, Andrew David resigned 2026-03-24; HARMER, Andrew David resigned 2026-03-24
Group structure
Kwikpac Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Kwikpac Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 30/10/2018 |
2 historic (ceased) PSCs
- Mr Andrew David Harmerceased 21/12/2019· significant influence
- Mrs Catherine Macpherson Harmerceased 21/12/2019· significant influence
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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6 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 (3 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 24/12/2013 | 07/04/2017 | |
| outstanding | The Fife Council | Standard security | 1 property | 21/09/2009 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 21/09/2009 | 29/11/2012 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Bond & floating charge | 1 property | 05/08/2009 | 30/11/2012 |