GRAHAMSTON LIMITED

🌳Matureactive

SC075596 · ltd · incorporated 1981-07-20

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£2.02M

book net assets

Opportunity

74/100

Strong

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What this business does

Primary activity: Development of building projects

Sector: Construction

Investor take

Pursue

Asset-holding vehicle. Family succession underway — not a classic acquisition target.

Opportunity 74/100 (strong), bankability 77/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: family or management succession (50/100).

🏦

Refinance opportunity

13 live charges · 5 lenders · oldest 42.8y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 42.8 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 48/100 (high).

Data confidence

Overall: medium (77/100)

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

Lenders & charges

13 charges (13/13 with lender, 13/13 with type)

Directors & officers

11 officers (3 active, 11 linked, 5 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

130 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £2,015,263

Net assets shrinking

Down £194,850 YoY

Cash YoY

+34%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£62k

↑ 34% YoY

Net Worth

£2.0m

↓ 8.8% YoY

Current Assets

£109k

↑ 15% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Total assets	£2.21M	£2.39M
Current assets	£109.1k	£95.2k
Cash	£62.4k	£46.5k
Debtors	£46.6k	£48.6k
Net assets	£2.02M	£2.21M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 2 officers
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (60 events)Click to expand

2025-12-05
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-01
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-12-01
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-11-27
➕
COLVIL, Stephen Alexander Mcclelland appointed
secretary
2025-11-27
➖
COLVIL, Stuart resigned
secretary
2025-08-01
➕
COLVIL, Stuart appointed
secretary
2025-08-01
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-08-01
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-07-31
➖
COLVIL, Stephen Alexander Mcclelland resigned
secretary
2025-07-23
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-23
🔓
Charge satisfied #18
2025-06-20
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-06-20
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-06-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-05
➕
COLVIL, Irene Margaret appointed
director
2025-06-05
➕
COLVIL, Stephen Alexander Mcclelland appointed
director
2025-05-08
➖
COLVIL, Robert William Mcclelland resigned
director
2024-06-13
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-07-20
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-06-09
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-08-23
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-08-10
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-08-19
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2016-03-18
🔓
Charge satisfied #17
2016-03-18
🔓
Charge satisfied #14
2016-03-18
🔓
Charge satisfied #7
2016-03-18
🔓
Charge satisfied #5
2007-02-06
🔒
Charge registered #18
Lender: Lloyds Tsb Bank PLC
2006-06-14
➕
COLVIL, Stephen Alexander Mcclelland appointed
secretary
2006-06-14
➖
MOODY, Anthony Edward John resigned
secretary
1994-12-05
➕
MOODY, Anthony Edward John appointed
secretary
1994-12-05
➖
BIGGART BAILLIE resigned
corporate-nominee-secretary
1994-12-05
➖
SMITH, William Wilson Campbell resigned
director
1993-12-30
➖
COLVIL, Robert William Mcclelland resigned
secretary
1993-12-30
➕
BIGGART BAILLIE appointed
corporate-nominee-secretary
1993-12-30
➕
SMITH, William Wilson Campbell appointed
director
1993-12-14
🔓
Charge satisfied #12
1993-12-14
🔓
Charge satisfied #10
1993-12-14
🔓
Charge satisfied #6
1993-12-01
➖
KILPATRICK, Niall Leslie Gallie resigned
director
1991-01-07
🔒
Charge registered #17
Lender: Barclays Bank PLC
1990-07-11
🔒
Charge registered #14
Lender: Lloyds Bank PLC
1990-07-05
🔓
Charge satisfied #11
1990-07-05
🔓
Charge satisfied #1
1990-07-04
🔓
Charge satisfied #3
1989-06-14
🔒
Charge registered #12
Lender: Dr. Brenda Elizabeth Simpson Gibson
1987-09-28
🔒
Charge registered #11
Lender: The British Linen Bank LTD
1987-05-04
🔒
Charge registered #10
Lender: The British Linen Bank LTD

Showing most recent 50 of 60 events

Owner dependency

81/100

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 age: Director aged approximately 74 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

26/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

primaryFamily succession underway: Not a takeover target — COLVIL, Stephen Alexander Mcclelland (same surname) appointed 2025-06-05. Pattern consistent with intra-family handover.
primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

2 med ·

3 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: COLVIL, Stephen Alexander Mcclelland resigned 2025-07-31; COLVIL, Stuart resigned 2025-11-27; COLVIL, Robert William Mcclelland resigned 2025-05-08

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 · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mrs Irene Margaret Colvil Individual · British · DOB 01/1952 · age 74	75–100%	75–100%	75-100% shares · 75-100% voting	30/05/2025

1 historic (ceased) PSC

Mr Robert William Mcclelland Colvilceased 30/05/2025· 75-100% shares

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

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

Incorporated1981-07-20

Jurisdictionscotland

Primary SIC41100 — Development of building projects

Registered office

1 Seaford Street

Kilmarnock

Ayrshire

KA1 2BZ

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-04

Last: 2026-02-18

Officers (3 active · 8 resigned)

COLVIL, Stephen Alexander Mcclelland→

secretary · appointed 2025-11-27

View their other companies + combined net worth →

Active

COLVIL, Irene Margaret→

director · ~74y · appointed 2025-06-05

View their other companies + combined net worth →

Active

COLVIL, Stephen Alexander Mcclelland→

director · ~50y · appointed 2025-06-05

View their other companies + combined net worth →

Active

COLVIL, Robert William Mcclelland→

secretary · resigned 1993-12-30

Resigned

COLVIL, Stephen Alexander Mcclelland→

secretary · appointed 2006-06-14 · resigned 2025-07-31

Resigned

COLVIL, Stuart→

secretary · appointed 2025-08-01 · resigned 2025-11-27

Resigned

MOODY, Anthony Edward John→

secretary · appointed 1994-12-05 · resigned 2006-06-14

Resigned

BIGGART BAILLIE→

corporate-nominee-secretary · appointed 1993-12-30 · resigned 1994-12-05

Resigned

COLVIL, Robert William Mcclelland→

director · ~76y · resigned 2025-05-08

Resigned

KILPATRICK, Niall Leslie Gallie→

director · ~77y · resigned 1993-12-01

Resigned

SMITH, William Wilson Campbell→

director · ~80y · appointed 1993-12-30 · resigned 1994-12-05

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:13 of 13 shown

		Type	Properties
satisfied	Lloyds Banking Group Lloyds Tsb Bank PLC	Standard security	1 property	06/02/2007	23/07/2025
satisfied	Barclays Barclays Bank PLC	Standard security	1 property	07/01/1991	18/03/2016
satisfied	Lloyds Banking Group Lloyds Bank PLC	Standard security	1 property	11/07/1990	18/03/2016
satisfied	Dr. Brenda Elizabeth Simpson Gibson	Standard security	1 property	14/06/1989	14/12/1993
satisfied	The British Linen Bank The British Linen Bank LTD	Standard security	1 property	28/09/1987	05/07/1990
satisfied	The British Linen Bank The British Linen Bank LTD	Standard security	1 property	04/05/1987	14/12/1993
satisfied	Barclays Barclays Bank PLC	Standard security	1 property	27/02/1987	14/12/1993
satisfied	Barclays Barclays Bank PLC	Standard security	1 property	26/02/1987	18/03/2016
satisfied	Barclays Barclays Bank PLC	Standard security	1 property	26/02/1987	18/03/2016
satisfied	The British Linen Bank The British Linen Bank LTD	Standard security	1 property	14/10/1986	16/03/1987
satisfied	The British Linen Bank The British Linen Bank LTD	Bond & floating charge	1 property	03/04/1986	04/07/1990
satisfied	The British Linen Bank The British Linen Bank LTD	Standard security	1 property	12/08/1985	14/04/1987
satisfied	The British Linen Bank The British Linen Bank LTD	Standard security	1 property	22/07/1983	05/07/1990

Recent filings (130 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-02-18

accounts-with-accounts-type-unaudited-abridged

accounts · AA

2025-12-05

appoint-person-secretary-company-with-name-date

officers · AP03

2025-12-01

termination-secretary-company-with-name-termination-date

officers · TM02

2025-12-01

appoint-person-secretary-company-with-name-date

officers · AP03

2025-08-01

termination-secretary-company-with-name-termination-date

officers · TM02

2025-08-01

mortgage-satisfy-charge-full

mortgage · MR04

2025-07-23

notification-of-a-person-with-significant-control

persons-with-significant-control · PSC01

2025-06-20

cessation-of-a-person-with-significant-control

persons-with-significant-control · PSC07

2025-06-20

termination-director-company-with-name-termination-date

officers · TM01

2025-06-20

appoint-person-director-company-with-name-date

officers · AP01

2025-06-20

appoint-person-director-company-with-name-date

officers · AP01

2025-06-20

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-02-19

accounts-with-accounts-type-unaudited-abridged

accounts · AA

2024-06-13

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-02-21