G.C.O.S. LIMITED
- · Oldest live charge 28.2y old — refinance window within 12 months
Opportunity 38/100 (watch), bankability 25/100. Strong seller-intent signal (63/100, director aged 69). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: distressed disposal / insolvency (65/100). Current lenders should be on immediate intervention.
Refinance opportunity
2 live charges · oldest 28.2y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 28.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2023-07-31 |
|---|---|
| Total assets | £647.3k |
| Current assets | £12.2k |
| Net assets | £647.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (19 events)Click to expand
- 2025-05-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-23⚠️liquidation-compulsory-notice-winding-up-order-court-scotlandinsolvency · WU01(Scot)
- 2024-11-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-19📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-05-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-05-11📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-27📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 1998-05-01🔒Charge registered #2Lender: Clydesdale Bank Public Limited Company
- 1998-03-24🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1990-02-16🏢Company incorporatedAs G.C.O.S. LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 36 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
4 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2025-07-31
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2025-08-11
Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-05-23: liquidation-compulsory-notice-winding-up-order-court-scotland
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Kevin Maguire Individual · British · DOB 11/1958 · age 68 | 25–50% | 25–50% | sig. influence25-50% shares · 25-50% voting · significant influence | 01/07/2016 |
Mr Ronald Whitelaw Somerville Individual · British · DOB 10/1957 · age 69 | 25–50% | 25–50% | sig. influence25-50% shares · 25-50% voting · significant influence | 01/07/2016 |
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.
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12 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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 01/05/1998 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 24/03/1998 | — |