SMAILES GOLDIE LIMITED
- · Oldest live charge 13.1y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 13.1y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 13.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — clean.
Data confidence
Overall: medium (73/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £776.0k | £745.3k |
| Current assets | £1.34M | £1.42M |
| Cash | £137.9k | £36.1k |
| Debtors | £1.20M | £1.38M |
| Net assets | £776.0k | £745.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 signals 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 capital
- • 5 officers
- • 2 capital
- • 1 confirmation-statement
- • 6 officers
- • 2 capital
- • 1 confirmation-statement
Corporate timeline (43 events)Click to expand
- 2026-06-02📄capital-return-purchase-own-sharescapital · SH03
- 2026-04-28📄capital-cancellation-sharescapital · SH06
- 2026-03-30📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-28📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-26📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-26📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-23➖OVERFIELD, Martin resigneddirector
- 2026-02-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-17➕ROBINSON, Andrew James appointeddirector
- 2025-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-06-22📄capital-allotment-sharescapital · SH01
- 2023-04-01➕CHILCOTT, Jamie appointeddirector
- 2023-02-01➕FOX, Matthew Liam appointeddirector
- 2023-02-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-01📄capital-allotment-sharescapital · SH01
- 2022-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-24📄memorandum-articlesincorporation · MA
- 2022-08-24📄resolutionresolution · RESOLUTIONS
- 2022-08-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-08-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-08-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-07➕COWELL, William appointeddirector
- 2022-07-07➕SHANNON, Victoria appointeddirector
- 2022-07-07➕THIIM, Benjamin John appointeddirector
- 2022-07-06➖SHARPLEY, James Mark resigneddirector
- 2020-03-10➖ALLISON, Jeremy Neil resigneddirector
- 2019-08-29➖DUFFIELD, Peter David resigneddirector
- 2017-10-01➕STOCKS, Michael James appointeddirector
- 2017-10-01➕TAYLOR, Luke Damien appointeddirector
- 2016-10-01➕DEARING, Peter Alan appointeddirector
- 2013-04-29➕BRAMALL, Stephen Thomas appointeddirector
- 2013-04-29➕SHIPLEY, Nicola appointeddirector
- 2013-04-29➕ALLISON, Jeremy Neil appointeddirector
- 2013-04-29➕DUFFIELD, Peter David appointeddirector
- 2013-04-29➕OVERFIELD, Martin appointeddirector
- 2013-04-29➕SHARPLEY, James Mark appointeddirector
- 2013-04-29🔒Charge registered #1Lender: Barclays Bank PLC
- 2013-03-07🏢Company incorporatedAs SMAILES GOLDIE LIMITED
- 2013-03-07➕LAMB, Ian Robert appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -12 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanRadial 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 (12 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 29/04/2013 | — |