A.C.GILBERT & SON,LIMITED
- · Oldest live charge 50.7y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 80/100. Strong seller-intent signal (70/100, director aged 86). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
7 live charges · oldest 50.7y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 50.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key 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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | — | £447.3k |
| Current assets | — | £145.1k |
| Net assets | — | £447.3k |
| Average employees | 200 | — |
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 (42 events)Click to expand
- 2026-03-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-19📄change-person-director-company-with-change-dateofficers · CH01
- 2022-05-19📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-03-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-03-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-09-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2016-08-31📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2016-08-31📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2016-08-17➕WHITE, Helen Clare appointedsecretary
- 2016-08-17➖RAVELL, William Stuart resignedsecretary
- 2016-07-01➕RAVELL, Enid Helen appointeddirector
- 2014-10-31🔓Charge satisfied #7
- 2014-10-31🔓Charge satisfied #6
- 2014-10-31🔓Charge satisfied #4
- 2014-10-31🔓Charge satisfied #3
- 2014-10-31🔓Charge satisfied #2
- 2014-10-31🔓Charge satisfied #1
- 2014-06-09➕RAVELL, William Stuart appointedsecretary
- 2014-06-09➖WHITE, Helen Clare resignedsecretary
- 2000-12-03➖ORR, Judy Blanche resignedsecretary
- 2000-12-03➕WHITE, Helen Clare appointedsecretary
- 1999-12-23➕ORR, Judy Blanche appointedsecretary
- 1999-12-19➖RAVELL, Freda Margaret resignedsecretary
- 1999-12-19➖RAVELL, Freda Margaret resigneddirector
- 1996-07-01➖CONEY, Alan Richard resigneddirector
- 1994-10-04🔒Charge registered #7Lender: National Westminster Bank PLC
- 1994-08-31➖RAVELL, Elizabeth Mary resigneddirector
- 1990-10-19🔓Charge satisfied #5
- 1990-09-26🔒Charge registered #6Lender: National Westminster Bank PLC
- 1990-07-31🔒Charge registered #5Lender: National Westminster Bank PLC
- 1985-09-25🔒Charge registered #4Lender: National Westminster Bank PLC
- 1983-08-02🔒Charge registered #3Lender: National Westminster Bank PLC
- 1975-12-08🔒Charge registered #2Lender: National Westminster Bank PLC
- 1975-09-08🔒Charge registered #1Lender: National Westminster Bank PLC
- 1913-04-29🏢Company incorporatedAs A.C.GILBERT & SON,LIMITED
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 age: Director aged approximately 86 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 86 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 113 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr William Stuart Ravell Individual · British · DOB 02/1940 · age 86 | 75–100% | 75–100% | 75-100% shares · 75-100% 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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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 (3 active · 7 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 04/10/1994 | 31/10/2014 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 26/09/1990 | 31/10/2014 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 31/07/1990 | 19/10/1990 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Charge supplemental to a mortgage debenture dated 8/9/75. | 1 property | 25/09/1985 | 31/10/2014 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 02/08/1983 | 31/10/2014 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 08/12/1975 | 31/10/2014 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 08/09/1975 | 31/10/2014 |