GBY GROUP LIMITED

🌳Matureactive
SC087989 · ltd · incorporated 1984-05-14
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 41.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£778.5k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: SIC 46130
Sector: Wholesale & retail
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 79/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 41.9y

50/100
clean up first

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

  • · Oldest live charge is 41.9 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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
123 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
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 £778,469
Net assets shrinking
Down £1,054,986 YoY
Cash YoY
-2%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£401k
↓ 2.3% YoY
Net Worth
£778k
↓ 58% YoY
Current Assets
£1.7m
↑ 8.3% YoY
Current Liabilities
—
£0£367k£733k£1.1m£1.5m£1.8mApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Total assets£781.4k£2.11M
Current assets£1.72M£1.59M
Cash£400.5k£410.0k
Debtors£738.0k£652.1k
Net assets£778.5k£1.83M

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-03-11
    ➕
    KELLY, Greig appointed
    director
  4. 2025-03-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2025-02-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2025-02-03
    🔓
    Charge satisfied #4
  7. 2024-11-25
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  8. 2024-11-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  9. 2024-11-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-12-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-12-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-03-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-10-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-01-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2017-01-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2010-03-22
    ➖
    BURNESS LLP resigned
    corporate-secretary
  19. 2009-02-24
    🔓
    Charge satisfied #5
  20. 2005-08-19
    ➕
    BURNESS LLP appointed
    corporate-secretary
  21. 2005-08-19
    ➖
    BURNESS SOLICITORS resigned
    corporate-secretary
  22. 2004-04-08
    ➖
    KELLY, Kenneth resigned
    secretary
  23. 2004-04-08
    ➕
    BURNESS SOLICITORS appointed
    corporate-secretary
  24. 2004-04-08
    ➖
    BRODIE, Thomas Finlay resigned
    director
  25. 2001-01-12
    🔒
    Charge registered #5
    Lender: Lloyds Tsb Commercial Finance Limited
  26. 1995-08-04
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  27. 1995-03-15
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  28. 1990-01-30
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  29. 1984-06-21
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  30. 1984-05-14
    🏢
    Company incorporated
    As GBY GROUP LIMITED

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 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

16/100
No succession signal

No meaningful acquirability indicators from public data.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — KELLY, Greig (same surname) appointed 2025-03-11. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Gby Investments Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Gby Investments Holdings Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
GBY GROUP LIMITED
This company · SC087989

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%
NameSharesVoting rightsNature of controlNotified
Gby Investments Holdings Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control22/11/2024
1 historic (ceased) PSC
  • Mr Kenneth Kellyceased 22/11/2024· 75-100% shares · 75-100% voting · board control · significant influence

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

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 →
🔒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
Incorporated1984-05-14
Jurisdictionscotland
Primary SIC46130 — SIC 46130

Registered office

512 Blochairn Road
Glasgow
G21 2DZ

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-08-01
Last: 2025-07-18

Officers (2 active · 4 resigned)

KELLY, Greig→
director · ~36y · appointed 2025-03-11
View their other companies + combined net worth →
Active
KELLY, Kenneth→
director · ~66y
View their other companies + combined net worth →
Active
KELLY, Kenneth→
secretary · resigned 2004-04-08
Resigned
BURNESS LLP→
corporate-secretary · appointed 2005-08-19 · resigned 2010-03-22
Resigned
BURNESS SOLICITORS→
corporate-secretary · appointed 2004-04-08 · resigned 2005-08-19
Resigned
BRODIE, Thomas Finlay→
director · ~79y · resigned 2004-04-08
Resigned

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

Mortgages & charges

5
Total charges
3
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Tsb Commercial Finance Limited
Floating charge1 property12/01/200124/02/2009
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property04/08/199503/02/2025
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property15/03/1995—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property30/01/1990—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property21/06/1984—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (123 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-18
change-person-director-company-with-change-date
officers · CH01
2025-07-18
appoint-person-director-company-with-name-date
officers · AP01
2025-03-11
mortgage-satisfy-charge-full
mortgage · MR04
2025-02-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-11-25
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-04
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-24
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-08
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-13
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-19