JOHN GILMOUR & CO. (METAL WORKERS) LIMITED
- · Oldest live charge 31.6y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 31.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 31.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key 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 | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 7 | 700 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Corporate timeline (34 events)Click to expand
- 2025-11-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-28🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2024-11-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-18📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-01📄capital-allotment-sharescapital · SH01
- 2024-01-24📄capital-allotment-sharescapital · SH01
- 2023-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-12➕STODDART, Neil appointeddirector
- 2023-02-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-01-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-17📄change-person-director-company-with-change-dateofficers · CH01
- 2019-07-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-05-31➕ROWAN, Yvonne Anne appointeddirector
- 2011-05-17🔓Charge satisfied #1
- 2011-05-16🔒Charge registered #2Lender: Mr David Kenneth Mcdonald
- 2008-10-31➕ROWAN, Yvonne Anne appointedsecretary
- 2008-10-31➖ROWAN, Craig resignedsecretary
- 2008-10-31➖HYSLOP, John resigneddirector
- 2002-02-28➕ROWAN, Craig Hamilton appointeddirector
- 2002-02-28➖GILMOUR, Muriel resignedsecretary
- 2002-02-28➕ROWAN, Craig appointedsecretary
- 2002-02-28➖CLARK, Samuel resigneddirector
- 2002-02-28➕HYSLOP, John appointeddirector
- 2001-12-27➖GILMOUR, John Hamilton resigneddirector
- 1994-09-10🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1973-05-22🏢Company incorporatedAs JOHN GILMOUR & CO. (METAL WORKERS) LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- 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 |
|---|---|---|---|---|
Mrs Yvonne Anne Rowan Individual · British · DOB 02/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Craig Hamilton Rowan Individual · British · DOB 03/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (4 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 28/01/2025 | — | |
| outstanding | Mr David Kenneth Mcdonald | Standard security | 1 property | 16/05/2011 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 10/09/1994 | 17/05/2011 |