GARDINER ICM LIMITED
- · Oldest live charge 26.6y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 26.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 26.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £2.60M | £2.54M |
| Current assets | £3.03M | £3.14M |
| Cash | £1.42M | £1.36M |
| Debtors | £1.04M | £1.11M |
| Net assets | £2.60M | £2.54M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (32 events)Click to expand
- 2025-06-18📄accounts-with-accounts-type-smallaccounts · AA
- 2024-08-19📄accounts-with-accounts-type-smallaccounts · AA
- 2024-01-23📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-12-18➕SMITH, Shona appointedsecretary
- 2023-12-18➖MACKIE, Evelyn resignedsecretary
- 2023-12-18📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2023-12-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-05📄accounts-with-accounts-type-smallaccounts · AA
- 2023-04-30➖MACKIE, Evelyn resigneddirector
- 2022-06-14📄accounts-with-accounts-type-smallaccounts · AA
- 2021-09-06📄accounts-with-accounts-type-smallaccounts · AA
- 2020-08-19📄accounts-with-accounts-type-smallaccounts · AA
- 2019-05-28📄accounts-with-accounts-type-smallaccounts · AA
- 2018-08-24📄accounts-with-accounts-type-smallaccounts · AA
- 2018-05-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-02-16➖HUTCHINSON, Colin Herbert, Executors Of resigneddirector
- 2017-09-22📄accounts-with-accounts-type-smallaccounts · AA
- 2016-07-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-03-31➖GARDINER, William Robert resigneddirector
- 2012-04-30➕LEARMONTH, Iain George appointeddirector
- 2000-07-31➕HUTCHINSON, David Antony appointeddirector
- 2000-07-31➕HUTCHINSON, Colin Herbert, Executors Of appointeddirector
- 1999-08-31🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1999-08-23➕MACKIE, Evelyn appointedsecretary
- 1999-08-23➖LEDINGHAM CHALMERS resignedcorporate-nominee-secretary
- 1999-08-23➕GARDINER, William Robert appointeddirector
- 1999-08-23➕MACKIE, Evelyn appointeddirector
- 1999-08-23➖DURANO LIMITED resignedcorporate-nominee-director
- 1999-07-05🏢Company incorporatedAs GARDINER ICM LIMITED
- 1999-07-05➕LEDINGHAM CHALMERS appointedcorporate-nominee-secretary
- 1999-07-05➕DURANO LIMITED appointedcorporate-nominee-director
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.
- +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
H L Hutchinson Limited holds majority control (50-75%). Likely parent but not wholly-owned.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
H L Hutchinson Limited Corporate entity | 50–75% | 50–75% | board control50-75% shares · 50-75% 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.
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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 →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 · 6 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 | Floating charge | 1 property | 31/08/1999 | — |