STEWART AND GIBSON LTD

🌳Matureactive
R0000693 · ltd · incorporated 1919-09-27
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£735.9k
book net assets
Opportunity
77/100
Strong
🔔
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What this business does
Primary activity: Other retail sale in non-specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 77/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -34% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

3 live charges · oldest 33.1y

45/100
under pressure

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

  • · Oldest live charge is 33.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (77/100)

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
194 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £735,891
Cash YoY
-34%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£125k
↓ 34% YoY
Net Worth
£736k
↑ 1.2% YoY
Current Assets
£624k
↓ 7.0% YoY
Current Liabilities
—
£0£147k£294k£442k£589k£736kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Total assets£740.7k£743.3k
Current assets£623.9k£670.9k
Cash£124.8k£189.3k
Debtors£26.4k£16.9k
Net assets£735.9k£727.5k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 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

Last 30 days
6
filings
  • • 3 persons-with-significant-control
  • • 2 officers
  • • 1 confirmation-statement
Last 90 days
6
filings
  • • 3 persons-with-significant-control
  • • 2 officers
  • • 1 confirmation-statement
Last 180 days
6
filings
  • • 3 persons-with-significant-control
  • • 2 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2026-05-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-05-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-05-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2026-05-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2026-05-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2025-10-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2025-05-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  8. 2024-10-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2024-06-11
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  10. 2024-04-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2024-04-22
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  12. 2024-04-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2024-04-08
    ➖
    BARR, Colin Thomas resigned
    secretary
  14. 2024-04-06
    ➕
    BARR, Andrew Brian Thomas appointed
    director
  15. 2024-04-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2024-04-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2024-04-04
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  18. 2024-03-28
    ➖
    BARR, Thomas resigned
    secretary
  19. 2024-03-24
    ➖
    BARR, Robert Samuel Stephen resigned
    director
  20. 2023-10-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  21. 2022-10-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  22. 2021-10-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  23. 2014-05-09
    ➖
    BARR, Thomas resigned
    director
  24. 2014-01-27
    ➕
    BARR, Thomas David Colin appointed
    director
  25. 2014-01-27
    ➕
    BARR, Robert Samuel Stephen appointed
    director
  26. 2005-01-14
    ➕
    BARR, Colin Thomas appointed
    secretary
  27. 2005-01-14
    ➖
    BARR, Ida resigned
    director
  28. 1993-08-06
    🔒
    Charge registered #3
    Lender: Northern Bank Limited
  29. 1993-04-27
    🔒
    Charge registered #2
    Lender: Northern Bank Limited
  30. 1993-04-27
    🔒
    Charge registered #1
    Lender: Northern Bank Limited
  31. 1919-09-27
    🏢
    Company incorporated
    As STEWART AND GIBSON LTD

Owner dependency

81/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

29/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — BARR, Andrew Brian Thomas (same surname) appointed 2024-04-06. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 12 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Name changed recently
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2024-06-11: certificate-change-of-name-company

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Lucinda Barr
Individual · British · DOB 01/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting30/01/2024
Mr Thomas David Colin Barr
Individual · British · DOB 07/1959 · age 67
——sig. influencesignificant influence06/04/2016
1 historic (ceased) PSC
  • Mr Robert Samuel Stephen Barrceased 30/01/2024· significant influence

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated1919-09-27
Jurisdictionnorthern-ireland
Primary SIC47190 — Other retail sale in non-specialised stores

Registered office

25/27 Main Street
Ballynahinch
Co Down
BT24 8DR

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-05-15
Last: 2026-05-01

Officers (2 active · 5 resigned)

BARR, Andrew Brian Thomas→
director · ~39y · appointed 2024-04-06
View their other companies + combined net worth →
Active
BARR, Thomas David Colin→
director · ~67y · appointed 2014-01-27
View their other companies + combined net worth →
Active
BARR, Colin Thomas→
secretary · appointed 2005-01-14 · resigned 2024-04-08
Resigned
BARR, Thomas→
secretary · resigned 2024-03-28
Resigned
BARR, Ida→
director · ~92y · resigned 2005-01-14
Resigned
BARR, Robert Samuel Stephen→
director · ~61y · appointed 2014-01-27 · resigned 2024-03-24
Resigned
BARR, Thomas→
director · ~92y · resigned 2014-05-09
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Northern Bank
Northern Bank Limited
Mortgage3 properties06/08/1993—
outstanding
Northern Bank
Northern Bank Limited
Charge over all book debts1 property27/04/1993—
outstanding
Northern Bank
Northern Bank Limited
Floating charge1 property27/04/1993—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (194 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-08
change-person-director-company-with-change-date
officers · CH01
2026-05-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-07
change-person-director-company-with-change-date
officers · CH01
2026-05-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-10-31
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-05-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-10-30
certificate-change-of-name-company
change-of-name · CERTNM
2024-06-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-01
change-person-director-company-with-change-date
officers · CH01
2024-04-25
termination-secretary-company-with-name-termination-date
officers · TM02
2024-04-22
appoint-person-director-company-with-name-date
officers · AP01
2024-04-19