HOLMS (GREENOCK) LIMITED

🌳Matureactive
SC030605 · ltd · incorporated 1955-02-28
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 55.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: SIC 47770
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 61-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (80/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 55.9y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 55.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
10 officers (2 active, 10 linked, 9 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
113 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
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jan 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
Average employees14001400

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
  1. 2025-10-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-10-28
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-10-28
    🔓
    Charge satisfied #7
  5. 2023-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-09-22
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2022-09-20
    ➖
    HEJLEH, Susan Elizabeth Sarah resigned
    director
  9. 2022-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-01-27
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  11. 2020-11-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-10-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-11-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2018-11-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2018-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-07-27
    ➖
    BLISS, Jennifer Margaret resigned
    director
  17. 2018-07-27
    ➖
    HOLMS, John Lavery resigned
    director
  18. 2018-01-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2018-01-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  20. 2017-10-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2011-09-19
    ➖
    HOLMS, Judith Margaret resigned
    secretary
  22. 2011-09-19
    ➖
    HOLMS, Judith Margaret resigned
    director
  23. 2010-03-01
    ➕
    HOLMS, Jacqeline appointed
    director
  24. 2009-12-01
    ➖
    MUIR, Anne Mitchell resigned
    director
  25. 1997-10-21
    🔓
    Charge satisfied #2
  26. 1997-10-15
    🔓
    Charge satisfied #6
  27. 1997-10-15
    🔓
    Charge satisfied #5
  28. 1997-10-15
    🔓
    Charge satisfied #1
  29. 1997-08-28
    🔒
    Charge registered #7
    Lender: David Mclean Carle and Another
  30. 1997-03-10
    ➕
    MUIR, Anne Mitchell appointed
    director
  31. 1995-12-31
    ➖
    YOUNG, Veronica Ann resigned
    director
  32. 1994-08-22
    ➖
    MCGOVERN, Isabella Smith resigned
    director
  33. 1993-07-13
    🔒
    Charge registered #6
    Lender: Clydesdale Bank Public Limited Company
  34. 1990-12-31
    ➕
    HOLMS, Alan John Frederick appointed
    director
  35. 1988-03-10
    🔓
    Charge satisfied #3
  36. 1982-09-15
    🔒
    Charge registered #5
    Lender: Clydesdale Bank Public Limited Company
  37. 1980-09-23
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  38. 1974-04-09
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  39. 1970-06-17
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  40. 1955-02-28
    🏢
    Company incorporated
    As HOLMS (GREENOCK) LIMITED

Owner dependency

99/100
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 name in company name: Company name contains director surname "HOLMS" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 35 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 35 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 71 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Alan Holms
Individual · British · DOB 08/1965 · age 61
50–75%
—50-75% shares01/11/2016

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

6 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
Incorporated1955-02-28
Jurisdictionscotland
Primary SIC47770 — SIC 47770

Registered office

10/12 Hamilton Gate
Greenock
PA15 1JW

Filing status

Accounts
Next due: 2026-10-30
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-26
Last: 2026-01-12

Officers (2 active · 8 resigned)

HOLMS, Alan John Frederick→
director · ~61y · appointed 1990-12-31
View their other companies + combined net worth →
Active
HOLMS, Jacqeline→
director · ~57y · appointed 2010-03-01
View their other companies + combined net worth →
Active
HOLMS, Judith Margaret→
secretary · resigned 2011-09-19
Resigned
BLISS, Jennifer Margaret→
director · ~63y · resigned 2018-07-27
Resigned
HEJLEH, Susan Elizabeth Sarah→
director · ~66y · resigned 2022-09-20
Resigned
HOLMS, John Lavery→
director · ~92y · resigned 2018-07-27
Resigned
HOLMS, Judith Margaret→
director · ~87y · resigned 2011-09-19
Resigned
MCGOVERN, Isabella Smith→
director · ~93y · resigned 1994-08-22
Resigned
MUIR, Anne Mitchell→
director · ~83y · appointed 1997-03-10 · resigned 2009-12-01
Resigned
YOUNG, Veronica Ann→
director · ~103y · resigned 1995-12-31
Resigned

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

Mortgages & charges

6
Total charges
0
Outstanding
0
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
satisfied
David Mclean Carle and Another
Standard security1 property28/08/199728/10/2024
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property13/07/199315/10/1997
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property15/09/198215/10/1997
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property23/09/198010/03/1988
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property09/04/197421/10/1997
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Disposition & explanatory letter1 property17/06/197015/10/1997

Recent filings (113 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-29
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-25
termination-director-company-with-name-termination-date
officers · TM01
2022-09-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-31
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-24