J. & A. GALLOWAY LIMITED

🌳Matureactive
SC041250 · ltd · incorporated 1964-10-30
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 38.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£2.52M
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: SIC 01500
Sector: Agriculture, forestry & fishing
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 65/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 8 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

9 live charges · 2 lenders · oldest 38.3y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 38.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
12 officers (3 active, 12 linked, 7 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
117 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £2,521,568

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£2.5m
↑ 1.5% YoY
Current Assets
£2.0m
↑ 4.4% YoY
Current Liabilities
—
£0£504k£1.0m£1.5m£2.0m£2.5mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£2.62M£2.60M
Current assets£1.98M£1.89M
Debtors£1.38M£1.35M
Net assets£2.52M£2.48M

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
  1. 2025-09-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-06-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-09-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-09-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2017-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-06-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2017-03-20
    ➕
    STRUZIK, David appointed
    director
  12. 2016-09-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-11-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2014-11-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-09-08
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2012-10-09
    ➕
    STRUZIK, David appointed
    secretary
  18. 2012-10-09
    ➖
    GALLOWAY, Agnes Knox resigned
    secretary
  19. 2007-04-11
    ➖
    GALLOWAY, Agnes Knox resigned
    director
  20. 2007-04-11
    ➖
    GALLOWAY, Doris resigned
    director
  21. 2007-04-11
    ➖
    GALLOWAY, William resigned
    director
  22. 1999-08-31
    ➕
    GALLOWAY, Elizabeth Mary appointed
    director
  23. 1999-08-31
    ➕
    GALLOWAY, William appointed
    director
  24. 1999-06-25
    ➕
    GALLOWAY, Agnes Knox appointed
    secretary
  25. 1999-06-25
    ➕
    GALLOWAY, Agnes Knox appointed
    director
  26. 1999-05-28
    ➖
    GALLOWAY, Alexander Clarkson resigned
    secretary
  27. 1999-05-28
    ➖
    GALLOWAY, Alexander Clarkson resigned
    director
  28. 1997-07-31
    🔒
    Charge registered #10
    Lender: Clydesdale Bank Public Limited Company
  29. 1994-11-04
    ➕
    GALLOWAY, Alexander Clarkson appointed
    secretary
  30. 1994-11-04
    ➖
    GALLOWAY, Doris resigned
    secretary
  31. 1994-07-26
    ➕
    GALLOWAY, Doris appointed
    director
  32. 1994-07-26
    ➖
    GALLOWAY, James William Clarkson resigned
    director
  33. 1994-05-19
    🔒
    Charge registered #9
    Lender: Clydesdale Bank Public Limited Company
  34. 1994-05-13
    🔒
    Charge registered #6
    Lender: Clydesdale Bank Public Limited Company
  35. 1994-05-13
    🔒
    Charge registered #5
    Lender: Clydesdale Bank Public Limited Company
  36. 1994-05-12
    🔒
    Charge registered #8
    Lender: Clydesdale Bank Public Limited Company
  37. 1994-04-11
    ➖
    GALLOWAY, Alexander Clarkson resigned
    secretary
  38. 1994-04-11
    ➕
    GALLOWAY, Doris appointed
    secretary
  39. 1994-01-18
    🔓
    Charge satisfied #1
  40. 1993-12-31
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  41. 1993-12-31
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  42. 1993-12-31
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  43. 1988-02-20
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  44. 1964-10-30
    🏢
    Company incorporated
    As J. & A. GALLOWAY LIMITED

Owner dependency

91/100
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 "GALLOWAY" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 27 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

1 low
8 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Lochlyoch Farms Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Lochlyoch Farms Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
J. & A. GALLOWAY LIMITED
This company · SC041250

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Lochlyoch Farms Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/10/2016
Miss Elizabeth Mary Galloway
Individual · Scottish · DOB 10/1963 · age 63
——board controlsig. influenceboard control · significant influence · firm interest01/10/2016

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

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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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
Incorporated1964-10-30
Jurisdictionscotland
Primary SIC01500 — SIC 01500

Registered office

Lochlyoch
Carmichael
Biggar
ML12 6NH

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-31
Last: 2025-10-17

Officers (3 active · 9 resigned)

STRUZIK, David→
secretary · appointed 2012-10-09
View their other companies + combined net worth →
Active
GALLOWAY, Elizabeth Mary→
director · ~63y · appointed 1999-08-31
View their other companies + combined net worth →
Active
STRUZIK, David→
director · ~55y · appointed 2017-03-20
View their other companies + combined net worth →
Active
GALLOWAY, Agnes Knox→
secretary · appointed 1999-06-25 · resigned 2012-10-09
Resigned
GALLOWAY, Alexander Clarkson→
secretary · appointed 1994-11-04 · resigned 1999-05-28
Resigned
GALLOWAY, Alexander Clarkson→
secretary · resigned 1994-04-11
Resigned
GALLOWAY, Doris→
secretary · appointed 1994-04-11 · resigned 1994-11-04
Resigned
GALLOWAY, Agnes Knox→
director · ~101y · appointed 1999-06-25 · resigned 2007-04-11
Resigned
GALLOWAY, Alexander Clarkson→
director · ~106y · resigned 1999-05-28
Resigned
GALLOWAY, Doris→
director · ~102y · appointed 1994-07-26 · resigned 2007-04-11
Resigned
GALLOWAY, James William Clarkson→
director · ~109y · resigned 1994-07-26
Resigned
GALLOWAY, William→
director · ~75y · appointed 1999-08-31 · resigned 2007-04-11
Resigned

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

Mortgages & charges

9
Total charges
8
Outstanding
1
Active lenders
Status:Lender:9 of 9 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property31/07/1997—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/05/1994—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property13/05/1994—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property13/05/1994—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property12/05/1994—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property31/12/1993—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property31/12/1993—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property31/12/1993—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property20/02/198818/01/1994
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (117 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-10-17