D.A. GILMOUR LIMITED
- · Oldest live charge 26.4y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 80). 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 26.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 26.4 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 (80/100)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 · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £97.6k | — |
| Current assets | £174.5k | — |
| Net assets | £97.6k | — |
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
- • 1 persons-with-significant-control
- • 1 persons-with-significant-control
Corporate timeline (25 events)Click to expand
- 2026-03-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-07-14📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-06-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-07-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-12-12📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-01-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-06📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-10-06📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-10-01📄change-person-director-company-with-change-dateofficers · CH01
- 2015-07-15📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-01-13➕MALCOLM, Stuart Ross appointeddirector
- 2002-09-30➕GILMOUR, Mary appointeddirector
- 1999-12-14🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1999-10-07🏢Company incorporatedAs D.A. GILMOUR LIMITED
- 1999-10-07➕GILMOUR, Mary appointedsecretary
- 1999-10-07➕GILMOUR, David Alistair appointeddirector
- 1999-10-07➕BRIAN REID LTD. appointedcorporate-nominee-secretary
- 1999-10-07➖BRIAN REID LTD. resignedcorporate-nominee-secretary
- 1999-10-07➕STEPHEN MABBOTT LTD. appointedcorporate-nominee-director
- 1999-10-07➖STEPHEN MABBOTT LTD. resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Founder name in company name: Company name contains director surname "GILMOUR" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 80 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 27 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Mary Gilmour Individual · British · DOB 11/1955 · age 71 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/10/2016 |
Mr David Alistair Gilmour Individual · British · DOB 03/1946 · age 80 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/10/2016 |
1 historic (ceased) PSC
- Mr Stuart Ross Malcolmceased 02/10/2016· 25-50% shares · 25-50% voting
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 (4 active · 2 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 | 14/12/1999 | — |