G SMITH LIMITED
🌳Matureactive
SC272215 · ltd · incorporated 2004-08-19
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 20.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£52.5k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Retail sale of fruit and vegetables in specialised stores
Sector: Wholesale & retail
ALSO REGISTERED FOR
- 47250SIC 47250
- 47290Other retail sale of food in specialised stores
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (58/100).
🏦
Refinance opportunity
1 live charge · oldest 20.8y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.8 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: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £52,546
Key financials
2 years extracted from filed iXBRL accountsCash
£50k
Net Worth
£53k
Current Assets
£58k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £52.5k | — |
| Current assets | £58.5k | — |
| Cash | £49.8k | — |
| Debtors | £1.1k | — |
| Net assets | £52.5k | — |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-10-03➖SMITH, Rachel Mckenzie resignedsecretary
- 2025-10-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-06-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-10-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-02-01➕SIMPSON, Judith appointeddirector
- 2019-10-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-01📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2005-07-25🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 2004-08-19🏢Company incorporatedAs G SMITH LIMITED
- 2004-08-19➕SMITH, Gordon Christopher appointeddirector
- 2004-08-19➕SMITH, Rachel Mckenzie appointedsecretary
Owner dependency
83/100
Critical — business is the founderThe 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.
- +Founder name in company name: Company name contains director surname "SMITH" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gordon Christopher Smith Individual · British · DOB 08/1969 · age 57 | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence | 19/08/2016 |
Mrs Judith Frances Smith Individual · British · DOB 06/1979 · age 47 | 25–50% | — | 25-50% shares | 01/01/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| HAGGIS TROTTER LIMITED→ SC687888 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| HALF A MILLION LIMITED→ SC663995 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| HARMONIE VENTURES LIMITED→ SC415015 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| HAROON HAYAT LTD→ SC864454 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HEELAN' HOMESTEAD LTD→ SC606525 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| HIGHLAND CLICKS LTD→ SC809993 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HOOJY LTD→ SC700088 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HORSE & HOUND LIMITED→ SC064086 · est 1978 · no financials extracted | — | — | — | — | 48y | — | — |
| HUNTLY TRADING POST LTD→ SC797705 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| HW MACLEOD LTD→ SC833221 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| INDU VEDA LTD→ SC697527 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| INFOR-TECH LIMITED→ SC528211 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2004-08-19
Jurisdictionscotland
Primary SIC47210 — Retail sale of fruit and vegetables in specialised stores
Registered office
Riverview
Marykirk
Laurencekirk
Kincardineshire
AB30 1UT
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-05-22
Last: 2025-05-08
Officers (2 active · 1 resigned)
SIMPSON, Judith→
Activedirector · ~47y · appointed 2020-02-01
View their other companies + combined net worth →
SMITH, Gordon Christopher→
Activedirector · ~57y · appointed 2004-08-19
View their other companies + combined net worth →
SMITH, Rachel Mckenzie→
Resignedsecretary · appointed 2004-08-19 · resigned 2025-10-03
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 25/07/2005 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (54 total)
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-03
termination-secretary-company-with-name-termination-date
officers · TM02
2025-10-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-27
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-05-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-13