J. & G. BARCLAY AND COMPANY LIMITED

🌳Matureactive

SC146408 · ltd · incorporated 1993-09-13

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

£411.5k

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: SIC 46342

Sector: Wholesale & retail

Investor take

Pursue

Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 68). 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

8 live charges · 5 lenders · oldest 28.2y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 28.2 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

8 charges (8/8 with lender, 8/8 with type)

Directors & officers

11 officers (5 active, 11 linked, 7 with DOB)

Ownership & PSC

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

Director network

15 connected companies via shared directors

Filing history

121 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

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

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £411,515

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£412k

↑ 6.0% YoY

Current Assets

£100k

↓ 29% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2024-12-31	2023-12-31
Total assets	£552.5k	£551.2k
Current assets	£100.2k	£141.7k
Net assets	£411.5k	£388.1k

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (48 events)Click to expand

2025-09-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-18
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-07-16
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-16
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-05
➖
BARCLAY, David Ellis resigned
secretary
2024-09-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-04
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-10-16
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-15
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-13
📄
change-person-director-company-with-change-date
officers · CH01
2021-07-15
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-06
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-09-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-23
🔒
Charge registered #8
Lender: Clydesdale Bank PLC
2020-09-08
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-08-27
🔒
Charge registered #7
Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
2019-08-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-06-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-04-27
🔓
Charge satisfied #6
2016-04-27
🔓
Charge satisfied #5
2016-04-14
➕
BARCLAY, David Ellis appointed
director
2016-04-14
➕
BARCLAY, Fiona Adair appointed
director
2016-04-14
➕
BARCLAY, Michael Shields appointed
director
2016-04-14
➕
ZONNEVELD, Catharina Margaretha appointed
director
2016-04-14
➕
BARCLAY, David Ellis appointed
secretary
2016-01-31
➖
BLAIR, Alan resigned
secretary
2013-10-29
🔓
Charge satisfied #1
2011-05-10
🔓
Charge satisfied #3
2011-02-16
🔓
Charge satisfied #4
2011-02-16
🔓
Charge satisfied #2
2006-11-10
🔒
Charge registered #6
Lender: Hsbc Bank PLC
2006-10-10
🔒
Charge registered #5
Lender: Hsbc Bank PLC
2003-07-21
🔒
Charge registered #4
Lender: The Royal Bank of Scotland PLC
2003-05-06
🔒
Charge registered #3
Lender: The Royal Bank of Scotland PLC
1998-06-09
🔒
Charge registered #2
Lender: Clydesdale Bank Public Limited Company
1998-02-12
🔒
Charge registered #1
Lender: Clydesdale Bank Public Limited Company
1994-07-01
➖
BARCLAY, Colin Shields resigned
secretary
1994-07-01
➕
BLAIR, Alan appointed
secretary
1994-07-01
➖
DEWAR, Andrew Ferguson resigned
director
1993-10-20
➕
BARCLAY, Colin Shields appointed
director
1993-10-20
➕
BARCLAY, Colin Shields appointed
secretary
1993-10-20
➕
DEWAR, Andrew Ferguson appointed
director
1993-09-13
🏢
Company incorporated
As J. & G. BARCLAY AND COMPANY LIMITED
1993-09-13
➕
REID, Brian appointed
nominee-secretary
1993-09-13
➖
REID, Brian resigned
nominee-secretary
1993-09-13
➕
MABBOTT, Stephen appointed
nominee-director
1993-09-13
➖
MABBOTT, Stephen resigned
nominee-director

Owner dependency

88/100

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

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "BARCLAY" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
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

1 med ·

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

Name	Shares	Voting rights	Nature of control	Notified
Mr Colin Shields Barclay Individual · Canadian · DOB 03/1958 · age 68	—	—	sig. influencesignificant influence	13/09/2016

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 →

Similar companies

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ALAYASH LIMITED→ SC604041 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ALIF GLOBAL ENTERPRISES LIMITED→ SC706006 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
AN WHOLESALE INC LIMITED→ SC815351 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ANDERSON SCIENTIFIC LIMITED→ SC222040 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
ANDVIN GIN LTD→ SC757884 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
AONLINE UK LTD→ SC696489 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
ARDBRAE ORGANIC LIMITED→ SC724949 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
ASIAN FRESH UK LTD→ SC875547 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ASSOCIATED PRODUCTION TOOLS LIMITED→ SC157747 · est 1995 · no financials extracted	—	—	—	—	30y	—	—
AURA LIFECYCLE SOLUTIONS LTD→ SC862665 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AVA CONSULTANTS LTD→ SC707447 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
AVELON CONSULTING LIMITED→ SC850545 · est 2025 · no financials extracted	—	—	—	—	—	—	—

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

Incorporated1993-09-13

Jurisdictionscotland

Primary SIC46342 — SIC 46342

Registered office

3 Peel Park Place

East Kilbride

Glasgow

G74 5LW

Scotland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-07-27

Last: 2025-07-13