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.
Why now
Window closing · high confidence
Getting harder to buy cheaply — 3 signals strengthening over the last 30 days.
  • · Hygiene score: 62 → 82
  • · Opportunity score: 73 → 82
  • · Bankability: 47 → 57
  • · Distress / opportunity: speculative → avoid
Opportunity decay
hardening · 6-months
Hardening — profile is tightening. If you want to act, do it before the window closes further.
  • · 3 recent signals strengthening vs 0 weakening
What changed my view
Last 30 days

Picture improved over the last 30 days — 3 positive signals vs 0 negative.

  • ↑Opportunity score: 73 → 82
  • ↑Hygiene score: 62 → 82
  • ↑Bankability: 47 → 57
  • ·Distress / opportunity: speculative → avoid
Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£1.52M
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Construction of commercial buildings
Sector: Construction
Investor take
Pursue
Active trading company with a 78-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 57/100. Strong seller-intent signal (63/100, director aged 78). 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 23.1y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 23.1 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
82 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 declared
Positive 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 accounts
Cash
£129
↓ 96% YoY
Net Worth
£1.5m
↑ 4.4% YoY
Current Assets
£1.6m
↓ 26% YoY
Current Liabilities
—
£0£440k£879k£1.3m£1.8m£2.2mJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
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
0
filings
Last 90 days
4
filings
  • • 2 officers
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
Last 180 days
4
filings
  • • 2 officers
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-05-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-05-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-05-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-05-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-04-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2024-05-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-06-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-06-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-02-02
    📄
    capital-allotment-shares
    capital · SH01
  10. 2021-04-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-07-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-05-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2018-04-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2017-10-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2017-10-25
    🔒
    Charge registered #4
    Lender: Svenska Handelsbanken Ab (Publ)
  16. 2017-04-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2012-01-01
    ➕
    CRAIG, Neil George appointed
    director
  18. 2008-06-27
    🔒
    Charge registered #3
    Lender: Royal Bank of Scotland PLC
  19. 2003-07-16
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  20. 2003-06-20
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  21. 1998-03-13
    ➕
    CRAIG, Linda Ellen appointed
    secretary
  22. 1998-03-13
    ➕
    CRAIG, George Maltman appointed
    director
  23. 1998-03-13
    ➕
    CRAIG, Linda Ellen appointed
    director
  24. 1998-03-13
    ➖
    TEMPLE SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  25. 1998-03-13
    ➖
    COMPANY DIRECTORS LIMITED resigned
    corporate-nominee-director
  26. 1997-05-07
    🏢
    Company incorporated
    As G.M. CRAIG (BUILDING CONTRACTORS) LIMITED
  27. 1997-05-07
    ➕
    TEMPLE SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  28. 1997-05-07
    ➕
    COMPANY DIRECTORS LIMITED appointed
    corporate-nominee-director

Owner dependency

98/100
Critical — business is the founder

The 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

90/100
Likely off-market candidate

Strong 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.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr. Neil George Craig
Individual · British · DOB 11/1981 · age 45
25–50%
25–50%25-50% shares · 25-50% voting09/06/2022
Mrs Linda Ellen Craig
Individual · British · DOB 05/1953 · age 73
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr George Maltman Craig
Individual · British · DOB 09/1948 · age 78
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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: 2027-05-21
Last: 2026-05-07

Officers (4 active · 2 resigned)

CRAIG, Linda Ellen→
secretary · appointed 1998-03-13
View their other companies + combined net worth →
Active
CRAIG, George Maltman→
director · ~78y · appointed 1998-03-13
View their other companies + combined net worth →
Active
CRAIG, Linda Ellen→
director · ~73y · appointed 1998-03-13
View their other companies + combined net worth →
Active
CRAIG, Neil George→
director · ~45y · appointed 2012-01-01
View their other companies + combined net worth →
Active
TEMPLE SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1997-05-07 · resigned 1998-03-13
Resigned
COMPANY DIRECTORS LIMITED→
corporate-nominee-director · appointed 1997-05-07 · resigned 1998-03-13
Resigned

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
TypeProperties
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property25/10/2017—
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Debenture1 property27/06/2008—
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property16/07/2003—
outstanding
Barclays
Barclays Bank PLC
Debenture1 property20/06/2003—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (82 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-22
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