GARVOCK LIMITED

🌳Matureactive
SC143272 · ltd · incorporated 1993-03-16
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 28.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Hotels and similar accommodation
Sector: Accommodation & food service
Investor take
Pursue
Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 28.6y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 28.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

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
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
95 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Average employees56005600

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2025-06-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-30
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2025-04-30
    🔓
    Charge satisfied #2
  4. 2025-04-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2025-04-17
    🔓
    Charge satisfied #3
  6. 2025-03-18
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2025-03-18
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2025-03-18
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  9. 2024-09-24
    📄
    capital-name-of-class-of-shares
    capital · SH08
  10. 2024-09-24
    📄
    memorandum-articles
    incorporation · MA
  11. 2024-09-24
    📄
    resolution
    resolution · RESOLUTIONS
  12. 2024-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2023-05-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2022-05-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2021-05-28
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  17. 2021-05-06
    ➖
    FORREST, Christopher James resigned
    secretary
  18. 2020-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2019-05-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2018-05-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2015-01-08
    ➖
    STEWART, Rory resigned
    director
  22. 2007-05-09
    ➕
    STEWART, Rory appointed
    director
  23. 2001-04-17
    🔒
    Charge registered #3
    Lender: The Governor and Company of the Bank of Scotland
  24. 1997-10-14
    🔒
    Charge registered #2
    Lender: Cairn Green Holdings Limited
  25. 1996-08-02
    ➖
    WRIGHT, Jessie Fleming resigned
    director
  26. 1996-07-08
    ➕
    FERNANDES, Rui Jorge Belchior appointed
    director
  27. 1996-07-08
    ➕
    FORREST, Christopher James appointed
    secretary
  28. 1996-07-08
    ➖
    WRIGHT, Jessie Fleming resigned
    secretary
  29. 1993-03-16
    🏢
    Company incorporated
    As GARVOCK LIMITED
  30. 1993-03-16
    ➕
    FERNANDES, Pamela Elizabeth appointed
    director
  31. 1993-03-16
    ➕
    WRIGHT, Jessie Fleming appointed
    secretary
  32. 1993-03-16
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  33. 1993-03-16
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  34. 1993-03-16
    ➕
    WRIGHT, Jessie Fleming appointed
    director
  35. 1993-03-16
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director
  36. 1993-03-16
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director

Owner dependency

84/100
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.
  • +Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 33 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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

Garvock Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Garvock Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
GARVOCK LIMITED
This company · SC143272

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
Garvock Holdings Limited
Corporate entity
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · trust interest · firm interest03/02/2025
2 historic (ceased) PSCs
  • Mrs Pamela Elizabeth Fernandesceased 03/02/2025· 25-50% shares · 25-50% voting
  • Mr Rui Jorge Belchior Fernandesceased 03/02/2025· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Hospitality · KY postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ABBEYFORD CARAVAN COMPANY (SCOTLAND) LIMITED→
SC089169 · est 1984 · no financials extracted
————41y8371y
DRUMOIG GOLF LIMITED→
SC356193 · est 2009
———30017y8362y
P.E.M. (KIRKCALDY) LIMITED→
SC171947 · est 1997
———170029y8362y
THE EAST COAST PUB COMPANY LIMITED→
SC273238 · est 2004
———120021y8358y
A & D BAR SERVICES LTD→
SC372775 · est 2010
———230016y8259y
ADMINISTRATION OFFICE FOR EXAMINATIONS (UK) LIMITED→
SC191297 · est 1998 · no financials extracted
————27y8277y
D.M.H. LETTINGS LTD→
SC163754 · est 1996
——£308.8k—30y8260y
KINGDOM HOTELS LIMITED→
SC336910 · est 2008 · no financials extracted
————18y8281y
MOLINARO LIMITED→
SC380830 · est 2010
——£2.10M—15y8262y
ST ANDREWS SHAWARMA LTD→
SC853858 · est 2025 · no financials extracted
———————
STARSCAPE CAFÉ LIMITED→
SC880144 · est 2026 · no financials extracted
———————
THE CROWN LEVEN LTD→
SC859887 · est 2025 · no financials extracted
———————
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated1993-03-16
Jurisdictionscotland
Primary SIC55100 — Hotels and similar accommodation

Registered office

Garvock House Hotel
St Johns Drive
Dunfermline
Fife
KY12 7TU

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-03-30
Last: 2026-03-16

Officers (2 active · 6 resigned)

FERNANDES, Pamela Elizabeth→
director · ~62y · appointed 1993-03-16
View their other companies + combined net worth →
Active
FERNANDES, Rui Jorge Belchior→
director · ~59y · appointed 1996-07-08
View their other companies + combined net worth →
Active
FORREST, Christopher James→
secretary · appointed 1996-07-08 · resigned 2021-05-06
Resigned
WRIGHT, Jessie Fleming→
secretary · appointed 1993-03-16 · resigned 1996-07-08
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1993-03-16 · resigned 1993-03-16
Resigned
STEWART, Rory→
director · ~51y · appointed 2007-05-09 · resigned 2015-01-08
Resigned
WRIGHT, Jessie Fleming→
director · ~80y · appointed 1993-03-16 · resigned 1996-08-02
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 1993-03-16 · resigned 1993-03-16
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Floating charge1 property17/04/200117/04/2025
satisfied
Cairn Green Holdings
Cairn Green Holdings Limited
Floating charge1 property14/10/199730/04/2025

Recent filings (95 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-18
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-30
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-27
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-18
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-03-18
capital-name-of-class-of-shares
capital · SH08
2024-09-24
memorandum-articles
incorporation · MA
2024-09-24
resolution
resolution · RESOLUTIONS
2024-09-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-28