G & J JACK SEAFOODS LIMITED
Opportunity 69/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).
Refinance opportunity
10 live charges · 4 lenders · oldest 28.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 28.0 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1.81M | £1.92M |
| Current assets | £4.02M | £3.71M |
| Cash | £92.6k | £125.1k |
| Debtors | £3.10M | £2.96M |
| Net assets | £1.15M | £1.31M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 mortgage
- • 1 mortgage
- • 1 confirmation-statement
- • 1 mortgage
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (63 events)Click to expand
- 2026-03-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-12🔒Charge registered #11Lender: The Royal Bank of Scotland PLC
- 2025-12-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-23➕JACK, Martin James appointeddirector
- 2025-12-23📄accounts-with-accounts-type-mediumaccounts · AA
- 2024-12-20📄accounts-with-accounts-type-fullaccounts · AA
- 2024-01-16📄accounts-with-accounts-type-fullaccounts · AA
- 2023-10-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-29🔒Charge registered #10Lender: The Royal Bank of Scotland PLC
- 2023-01-11📄accounts-with-accounts-type-fullaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-fullaccounts · AA
- 2021-03-30📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-08➕JACK, Jason Scott appointeddirector
- 2020-01-08📄accounts-with-accounts-type-fullaccounts · AA
- 2020-01-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2018-08-02📄accounts-with-accounts-type-fullaccounts · AA
- 2018-01-08📄accounts-with-accounts-type-fullaccounts · AA
- 2018-01-03📄change-person-director-company-with-change-dateofficers · CH01
- 2017-10-03➖JACK JNR, George Buchan resigneddirector
- 2017-10-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-08-26➖MCLEAN, Steven Douglas resigneddirector
- 2016-01-09🔓Charge satisfied #2
- 2015-12-05🔓Charge satisfied #3
- 2015-09-04🔒Charge registered #9Lender: The Royal Bank of Scotland PLC
- 2015-09-04🔓Charge satisfied #1
- 2015-09-02🔒Charge registered #8Lender: The Royal Bank of Scotland PLC
- 2015-08-10➖MAIR, Michael resigneddirector
- 2015-06-19🔒Charge registered #7Lender: Rbs Invoice Finance Limited
- 2014-10-22🔒Charge registered #6Lender: Clydesdale Bank PLC
- 2014-06-06➖JACK, George Buchan resigneddirector
- 2014-06-06➖JACK, James Ritchie Buchan resigneddirector
- 2014-05-26➕JACK, George Buchan appointeddirector
- 2014-05-26➕JACK, James Ritchie Buchan appointeddirector
- 2014-05-26➕JACK JNR, George Buchan appointeddirector
- 2014-05-26➕MCLEAN, Steven Douglas appointeddirector
- 2014-03-17🔒Charge registered #5Lender: Clydesdale Bank PLC
- 2014-02-04➖JACK, Nicholas Buchan resignedsecretary
- 2014-01-30➖JACK, David resigneddirector
- 2014-01-27➖JACK JNR, Ian resigneddirector
- 2014-01-21🔒Charge registered #3Lender: Clydesdale Bank PLC
- 2014-01-21🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2014-01-02➖JACK, Nicholas Buchan resigneddirector
- 2013-12-31➖JACK, Jonathan George Pirie resigneddirector
- 2012-05-31➕JACK, Martin Scott Buchan appointeddirector
- 2012-05-31➖JACK, Jonathan George Pirie resignedsecretary
- 2012-05-31➕JACK, Nicholas Buchan appointedsecretary
- 2012-05-31➕JACK, Nicholas Buchan appointeddirector
- 2012-05-31➕JACK JNR, Ian appointeddirector
- 2004-05-26➕JACK, Jonathan George Pirie appointedsecretary
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Founder name in company name: Company name contains director surname "JACK" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
G & J Jack Limited 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 |
|---|---|---|---|---|
G & J Jack Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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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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 →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 (3 active · 17 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 | 12/03/2026 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 3 properties | 29/09/2023 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 04/09/2015 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 02/09/2015 | — | |
| outstanding | NatWest Group Rbs Invoice Finance Limited | A registered charge | 1 property | 19/06/2015 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 22/10/2014 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 17/03/2014 | — | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 21/01/2014 | 05/12/2015 | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 21/01/2014 | 09/01/2016 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 11/05/1998 | 04/09/2015 |