A & R GILLBARD LTD
- · Oldest live charge 4.1y old — refinance window within 12 months
Opportunity 73/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · oldest 4.1y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.1 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £3.01M | £2.19M |
| Current assets | £3.09M | £2.57M |
| Cash | £133.5k | £36.5k |
| Debtors | £2.25M | £1.95M |
| Net assets | £1.78M | £1.18M |
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 confirmation-statement
Corporate timeline (18 events)Click to expand
- 2025-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-25🔒Charge registered #3Lender: National Westminster Bank PLC
- 2025-11-25🔒Charge registered #2Lender: National Westminster Bank PLC
- 2025-01-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-25📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2022-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-08🔒Charge registered #1Lender: National Westminster Bank PLC
- 2021-03-22📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2021-03-19📍change-sail-address-company-with-new-addressaddress · AD02
- 2021-01-28📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2021-01-27🏢Company incorporatedAs A & R GILLBARD LTD
- 2021-01-27➕GILLBARD, Adrian Dennis appointeddirector
- 2021-01-27➕GILLBARD, Rebecca appointeddirector
- 2021-01-27📄incorporation-companyincorporation · NEWINC
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 name in company name: Company name contains director surname "GILLBARD" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Rebecca Gillbard Individual · British · DOB 07/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 27/01/2021 |
Mr Adrian Dennis Gillbard Individual · British · DOB 04/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 27/01/2021 |
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.
See pricing →Similar companies
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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 →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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 25/11/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 25/11/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 08/06/2022 | — |