CAMPBELL & GAY (BUILDERS) LIMITED
🌳Matureactive
SC215346 · ltd · incorporated 2001-02-02
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 21.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
PursueActive trading company with a 62-year-old founder — textbook succession opportunity.
Opportunity 83/100 (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 (65/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 21.9y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 21.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)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
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
66 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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 accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 400 | 400 |
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
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-12-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-31📄capital-allotment-sharescapital · SH01
- 2024-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-10-31🔓Charge satisfied #2
- 2022-12-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-12-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-12-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-12-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-12-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-01-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2016-11-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-11-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-02-09📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-06-30➖CAMPBELL, William Lewis resigneddirector
- 2013-06-30➖CAMPBELL, Wilma resigneddirector
- 2012-01-01➕GAY, Mandy appointeddirector
- 2012-01-01➕CAMPBELL, Wilma appointeddirector
- 2010-12-09🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2006-06-09🔓Charge satisfied #1
- 2004-05-26🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2001-02-02🏢Company incorporatedAs CAMPBELL & GAY (BUILDERS) LIMITED
- 2001-02-02➕GAY, James appointedsecretary
- 2001-02-02➕GAY, James appointeddirector
- 2001-02-02➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2001-02-02➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2001-02-02➕CAMPBELL, William Lewis appointeddirector
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
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 25 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
76/100
Likely off-market candidateStrong 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 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Mandy Gay Individual · British · DOB 01/1968 · age 58 | 25–50% | — | 25-50% shares | 01/07/2016 |
Mr James Gay Individual · British · DOB 03/1964 · age 62 | 25–50% | — | 25-50% shares | 01/07/2016 |
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
Active · Construction · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AUSMAC REFRIGERATION LIMITED→ SC881378 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BLANEY PROPERTY GROUP LTD→ SC877815 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BOMAD HOLDINGS LIMITED→ SC535388 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BRIAN LINDSAY JOINER & BUILDER LIMITED→ SC399900 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BROOMHEAD LTD→ SC815814 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| C-FENCING LTD→ SC868458 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CARMICHAEL AND BAXTER GROUNDWORKS LIMITED→ SC393973 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| CBAC DEVELOPMENTS LIMITED→ SC419931 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CHAPMAN LIFTING SERVICES LIMITED→ SC766544 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHARLES BUCHANAN (ROUGHCASTERS) LIMITED→ SC233396 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| CHAS G ANDERSON LTD→ SC422152 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CHRIS THE PLUMBER LTD→ SC853005 · 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
Incorporated2001-02-02
Jurisdictionscotland
Primary SIC41202 — Construction of domestic buildings
Registered office
21 Commercial Street
Markinch, Glenrothes
Fife
KY7 6DE
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-16
Last: 2026-02-02
Officers (3 active · 3 resigned)
Active
Active
Active
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2001-02-02 · resigned 2001-02-02
CAMPBELL, William Lewis→
Resigneddirector · ~76y · appointed 2001-02-02 · resigned 2013-06-30
CAMPBELL, Wilma→
Resigneddirector · ~71y · appointed 2012-01-01 · resigned 2013-06-30
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Floating charge | 1 property | 09/12/2010 | 31/10/2023 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 26/05/2004 | 09/06/2006 |
Recent filings (66 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-19
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-10
capital-allotment-shares
capital · SH01
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-11
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-14