J.& E.SMILLIE (GROWERS) LIMITED
- · Oldest live charge 8.1y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · oldest 8.1y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 9 | 1100 |
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
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (33 events)Click to expand
- 2026-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-03-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-03-19📄memorandum-articlesincorporation · MA
- 2026-03-19📄resolutionresolution · RESOLUTIONS
- 2026-03-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-25➕SMILLIE, Sandie Euphemia Thain appointeddirector
- 2024-03-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-27➕MELROSE, Alistair George appointeddirector
- 2023-03-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-06-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-04🔓Charge satisfied #2
- 2021-06-03🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2021-05-27🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2021-04-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-04-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-08🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2021-01-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-01-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-27➖SMILLIE, Gordon Charles resigneddirector
- 2019-04-01➕SMILLIE, Fiona Kirsteen Blackie appointeddirector
- 2018-04-16➖LORIMER, Andrew David resigneddirector
- 2018-03-16🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2014-01-10➕LORIMER, Andrew David appointeddirector
- 2004-12-15➕SMILLIE, Fiona appointedsecretary
- 2004-07-18➖SMILLIE, Enid Mary resignedsecretary
- 2004-07-18➖SMILLIE, Enid Mary resigneddirector
- 1977-03-07🏢Company incorporatedAs J.& E.SMILLIE (GROWERS) LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Founder name in company name: Company name contains director surname "SMILLIE" — strong identity link between founder and business.
- +Founder age: Director aged approximately 72 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
No meaningful acquirability indicators from public data.
- primaryFamily succession underway: Not a takeover target — SMILLIE, Sandie Euphemia Thain (same surname) appointed 2024-11-25. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
Red flags
cleanGroup structure
J & E Smillie (Holdings) Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
J & E Smillie (Holdings) Ltd Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 09/03/2026 |
2 historic (ceased) PSCs
- Mrs Fiona Kirsteen Blackie Smillieceased 09/03/2026· 75-100% shares
- Mr Gordon Charles Smillieceased 27/12/2020· 75-100% shares · 75-100% voting · board control
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.
See pricing →Similar companies
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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 (4 active · 4 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 | 03/06/2021 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 27/05/2021 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 08/04/2021 | 04/06/2021 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 16/03/2018 | — |