JAMES GAMMELL & SON LIMITED
Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (63/100, director aged 80). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
6 live charges · 3 lenders · oldest 61.7y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 61.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-06-30 | 2023-06-30 |
|---|---|---|
| Cash | £19.3k | £2.0k |
| Net assets | £3.01M | £3.21M |
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
- • 2 capital
- • 1 incorporation
- • 1 resolution
- • 2 capital
- • 1 incorporation
- • 1 resolution
- • 2 capital
- • 1 incorporation
- • 1 resolution
Corporate timeline (47 events)Click to expand
- 2026-04-15📄capital-name-of-class-of-sharescapital · SH08
- 2026-04-15📄memorandum-articlesincorporation · MA
- 2026-04-15📄resolutionresolution · RESOLUTIONS
- 2026-04-14📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2025-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-03-27🔓Charge satisfied #6
- 2024-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-04-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-02-24🔒Charge registered #6Lender: Bank of Scotland PLC
- 2021-02-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-01-29🔒Charge registered #5Lender: Bank of Scotland PLC
- 2020-06-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-06-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-06-23📄change-person-director-company-with-change-dateofficers · CH01
- 2018-10-01➕BERGIN, Caron appointedsecretary
- 2018-09-30➖RICHARDSON, Karen Ann resignedsecretary
- 2014-11-28➕GAMMELL, Philippa Mary appointeddirector
- 2014-11-28➕GAMMELL, Susannah Claire appointeddirector
- 2014-11-26➖GAMMELL, Andrew John resigneddirector
- 2014-11-26➖LEGGATE, Benjamin David resigneddirector
- 2014-11-26➖LEGGATE, Peter James Arthur resigneddirector
- 2013-02-26🔓Charge satisfied #3
- 2013-02-18🔒Charge registered #4Lender: Bank of Scotland PLC
- 2009-11-18🔒Charge registered #3Lender: Bank of Scotland PLC
- 2003-07-02➖GAMMELL, James Edward Bowring resignedsecretary
- 2003-07-02➕RICHARDSON, Karen Ann appointedsecretary
- 2002-09-20➕LEGGATE, Benjamin David appointeddirector
- 1999-04-19➖GAMMELL, James Gilbert Sydney resigneddirector
- 1996-06-14➕GAMMELL, James Gilbert Sydney appointeddirector
- 1993-05-19➕GAMMELL, James Edward Bowring appointedsecretary
- 1993-05-19➖CASTLE CAIRN (FINANCIAL SERVICES) LIMITED resignedcorporate-secretary
- 1992-08-13➕GAMMELL, James Roderick appointeddirector
- 1992-08-13➕GAMMELL, Peter Joshua Thomas appointeddirector
- 1992-08-13➖GAMMELL, Susan Patricia Bowring resigneddirector
- 1990-05-14➕CASTLE CAIRN (FINANCIAL SERVICES) LIMITED appointedcorporate-secretary
- 1990-02-07🔓Charge satisfied #2
- 1989-01-23🔒Charge registered #2Lender: Patrick Alexander Kilgour Ewart and Another
- 1964-08-25🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1964-06-30🏢Company incorporatedAs JAMES GAMMELL & SON LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "GAMMELL" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 80 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 34 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 62 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Edward Bowring Gammell Individual · British · DOB 07/1946 · age 80 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 14/06/2017 |
Mr James Roderick Gammell Individual · British · DOB 06/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 14/06/2017 |
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.
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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 (6 active · 8 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 24/02/2021 | 27/03/2025 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 29/01/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 18/02/2013 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Floating charge | 1 property | 18/11/2009 | 26/02/2013 | |
| satisfied | Patrick Alexander Kilgour Ewart and Another | Standard security | 1 property | 23/01/1989 | 07/02/1990 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Ex facie absolute disposition and explanatory letter | 1 property | 25/08/1964 | — |