G.M. CRAIG (BUILDING CONTRACTORS) LIMITED
🌳Matureactive
03366312 · ltd · incorporated 1997-05-07
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£1.52M
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Construction of commercial buildings
Sector: Construction
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 73/100 (strong), bankability 47/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
4 live charges · 3 lenders · oldest 22.9y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 22.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (79/100)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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 3 with DOB)
80
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
81 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £1,524,881
Cash draining
Cash down 96% YoY
Cash YoY
-96%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£129
↓ 96% YoY
Net Worth
£1.5m
↑ 4.4% YoY
Current Assets
£1.6m
↓ 26% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £1.62M | £1.53M |
| Current assets | £1.62M | £2.20M |
| Cash | £129 | £3.4k |
| Debtors | £245.4k | £108.6k |
| Net assets | £1.52M | £1.46M |
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
3
filings
- • 2 officers
- • 1 persons-with-significant-control
Last 90 days
3
filings
- • 2 officers
- • 1 persons-with-significant-control
Last 180 days
3
filings
- • 2 officers
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-05-21📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-21📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-02📄capital-allotment-sharescapital · SH01
- 2021-04-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-04-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-10-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-10-25🔒Charge registered #4Lender: Svenska Handelsbanken Ab (Publ)
- 2017-04-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2016-05-26📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-01-01➕CRAIG, Neil George appointeddirector
- 2008-06-27🔒Charge registered #3Lender: Royal Bank of Scotland PLC
- 2003-07-16🔒Charge registered #2Lender: Barclays Bank PLC
- 2003-06-20🔒Charge registered #1Lender: Barclays Bank PLC
- 1998-03-13➕CRAIG, Linda Ellen appointedsecretary
- 1998-03-13➕CRAIG, George Maltman appointeddirector
- 1998-03-13➕CRAIG, Linda Ellen appointeddirector
- 1998-03-13➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 1998-03-13➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
- 1997-05-07🏢Company incorporatedAs G.M. CRAIG (BUILDING CONTRACTORS) LIMITED
- 1997-05-07➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 1997-05-07➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
Owner dependency
98/100
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
- +Founder name in company name: Company name contains director surname "CRAIG" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 78 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
85/100
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 78 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 29 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-05-21
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr. Neil George Craig Individual · British · DOB 11/1981 · age 45 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 09/06/2022 |
Mrs Linda Ellen Craig Individual · British · DOB 05/1953 · age 73 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr George Maltman Craig Individual · British · DOB 09/1948 · 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.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Construction · TD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HOLIDAY HOLMES LIMITED→ 10400064 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| IAN LAW (BUILDERS) LIMITED→ 04861033 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| IGLO PROPERTIES LTD→ 10587682 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| INDICA HOLDINGS LTD→ 10593887 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| INDICA HOMES (GLANTON) LTD→ 13389368 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| INDICA PROPERTIES LTD→ 10119219 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| INNBRO LTD→ SC713871 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| J RICHARDSON GROUNDWORKS LTD→ 10670210 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| J S CRAWFORD PROPERTIES (BERWICK) LTD→ 09726119 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| J TINLIN JOINERY LTD→ SC726232 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| J. A. WILSON CONTRACTORS LTD→ SC410204 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| JACK BRUNSDON & SON LIMITED→ 00818979 · est 1964 · no financials extracted | — | — | — | — | 61y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated1997-05-07
Jurisdictionengland-wales
Primary SIC41201 — Construction of commercial buildings
Registered office
Ava Lodge
Castle Terrace
Berwick Upon Tweed
Northumberland
TD15 1NP
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-05-21OVERDUE
Last: 2025-05-07
Officers (4 active · 2 resigned)
CRAIG, Linda Ellen→
Activesecretary · appointed 1998-03-13
View their other companies + combined net worth →
CRAIG, George Maltman→
Activedirector · ~78y · appointed 1998-03-13
View their other companies + combined net worth →
CRAIG, Linda Ellen→
Activedirector · ~73y · appointed 1998-03-13
View their other companies + combined net worth →
CRAIG, Neil George→
Activedirector · ~45y · appointed 2012-01-01
View their other companies + combined net worth →
TEMPLE SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1997-05-07 · resigned 1998-03-13
COMPANY DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 1997-05-07 · resigned 1998-03-13
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
3
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 25/10/2017 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Debenture | 1 property | 27/06/2008 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 16/07/2003 | — | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 20/06/2003 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (81 total)
change-person-director-company-with-change-date
officers · CH01
2026-05-21
change-person-director-company-with-change-date
officers · CH01
2026-05-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-13
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-09
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-15
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-10
capital-allotment-shares
capital · SH01
2022-02-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-13