J. & G. MOSSMAN LIMITED
🌳Matureactive
SC020208 · ltd · incorporated 1938-02-17
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 32.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£113.9k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other specialised construction activities n.e.c.
Sector: Construction
Investor take
PursueActive trading company with a 79-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 32.1y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 32.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
93 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £113,897
Net assets shrinking
Down £14,519 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£114k
↓ 11% YoY
Current Assets
£210k
↓ 8.4% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £113.9k | £128.4k |
| Current assets | £210.3k | £229.5k |
| Net assets | £113.9k | £128.4k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2025-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-08-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2017-05-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2017-03-31➖BUCHANAN, Isabella Wendy resignedsecretary
- 2016-03-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-17📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-03-20📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-09-09📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-02-07📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-10-16➖SMITH, Russell David James Pollock resigneddirector
- 2013-09-17➕SMITH, Kenneth Richard Pollock appointeddirector
- 1994-04-13🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1994-03-20➕BUCHANAN, Isabella Wendy appointedsecretary
- 1994-03-20➖SMITH, Elsie Jean Pollock resignedsecretary
- 1938-02-17🏢Company incorporatedAs J. & G. MOSSMAN LIMITED
Owner dependency
81/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 79 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
89/100
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 79 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- secondaryStable-but-static management: Company is 88 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Kenneth Richard Pollock Smith Individual · British · DOB 05/1978 · age 48 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Construction · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| J AND A FISHER JOINERS LIMITED→ SC451315 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| JAMES EASTON BUILDERS LTD→ SC709740 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| JOHN COLQUHOUN JOINERY LTD→ SC884446 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| JSR PLANT & LABOUR LTD.→ SC801688 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| KELPIE CONSTRUCTION LTD→ SC791617 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KEVIN WILSON JOINERS AND BUILDING CONTRACTORS LIMITED→ SC494384 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| LAMONT CONSTRUCTION LTD→ SC488427 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| LINNET TECHNOLOGY LIMITED→ SC168688 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| LOGAN JOINERY & BUILDING CONTRACTOR LTD→ SC621515 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| LOMOND JOINERS LTD→ SC862262 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LSMA HOLDINGS LIMITED→ SC646473 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| LUXE DESIGN FLOOR LTD→ SC840662 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1938-02-17
Jurisdictionscotland
Primary SIC43999 — Other specialised construction activities n.e.c.
Registered office
44 Parkhead Road
Sauchie
By Alloa
Stirlingshire
FK10 3BH
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-09-15
Last: 2025-09-01
Officers (2 active · 3 resigned)
Active
SMITH, Kenneth Richard Pollock→
Activedirector · ~48y · appointed 2013-09-17
View their other companies + combined net worth →
BUCHANAN, Isabella Wendy→
Resignedsecretary · appointed 1994-03-20 · resigned 2017-03-31
SMITH, Elsie Jean Pollock→
Resignedsecretary · resigned 1994-03-20
SMITH, Russell David James Pollock→
Resigneddirector · ~79y · resigned 2013-10-16
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 13/04/1994 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (93 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-20
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-23
confirmation-statement-with-updates
confirmation-statement · CS01
2020-10-09
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-24
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-09-03