STEPHEN REID LIMITED
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 13.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 13.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (70/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 |
|---|---|
| Total assets | £119.2k |
| Current assets | £41.5k |
| Cash | £6.2k |
| Debtors | £17.8k |
| Net assets | £60.3k |
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
- • 2 accounts
- • 2 accounts
Corporate timeline (25 events)Click to expand
- 2026-03-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-29📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2025-01-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-08-08🔒Charge registered #2Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
- 2019-06-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-06-01🔓Charge satisfied #1
- 2018-07-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-08-11📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2012-09-04🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2008-09-09🏢Company incorporatedAs STEPHEN REID LIMITED
- 2008-09-09➕REID, Suzanne appointedsecretary
- 2008-09-09➕REID, Stephen appointeddirector
- 2008-09-09➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2008-09-09➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2008-09-09➕JORDAN COMPANY SECRETARIES LIMITED appointedcorporate-nominee-director
- 2008-09-09➖JORDAN COMPANY SECRETARIES LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "REID" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Stephen Reid Individual · British · DOB 03/1967 · age 59 | 25–50% | — | 25-50% shares | 06/04/2016 |
Suzanne Reid Individual · British · DOB 01/1977 · age 49 | 25–50% | — | 25-50% shares | 06/04/2016 |
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.
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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 | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111) | A registered charge | — | 08/08/2019 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Floating charge | 1 property | 04/09/2012 | 01/06/2019 |