GCJ LIMITED
- · Oldest live charge 20.9y old — refinance window within 12 months
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 78/100 (strong), bankability 75/100. 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: strategic trade sale (63/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 20.9y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £469.1k | £473.6k |
| Current assets | £104.6k | £89.0k |
| Cash | £232 | £232 |
| Debtors | £104.4k | £88.7k |
| Net assets | £362.3k | £366.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 signals 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 confirmation-statement
Corporate timeline (28 events)Click to expand
- 2025-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-21🔓Charge satisfied #1
- 2023-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-25📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2021-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-07📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2017-11-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-08-08📄change-person-director-company-with-change-dateofficers · CH01
- 2017-08-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2016-12-20📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2011-06-10➕BRODIES SECRETARIAL SERVICES LIMITED appointedcorporate-secretary
- 2011-06-10➖DAVIES WOOD SUMMERS LLP resignedcorporate-secretary
- 2009-01-14➖MACDONALD, Colin Nicolson resigneddirector
- 2006-07-06➕MACLEOD, John Norman appointeddirector
- 2006-07-06➕MACDONALD, Colin Nicolson appointeddirector
- 2006-05-01➖DAVIES WOOD SUMMERS resignedcorporate-nominee-secretary
- 2006-05-01➕DAVIES WOOD SUMMERS LLP appointedcorporate-secretary
- 2005-10-05🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2005-08-30🔒Charge registered #1Lender: Black Horse Limited
- 2005-01-26🏢Company incorporatedAs GCJ LIMITED
- 2005-01-26➕CHALMERS, Gavin Bruce appointeddirector
- 2005-01-26➕DAVIES WOOD SUMMERS appointedcorporate-nominee-secretary
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 21 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 21 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 |
|---|---|---|---|---|
Mr John Norman Macleod Individual · British · DOB 05/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Gavin Bruce Chalmers Individual · British · DOB 03/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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.
See pricing →Similar companies
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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 · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 05/10/2005 | — | |
| satisfied | Black Horse Black Horse Limited | Bond & floating charge | 1 property | 30/08/2005 | 21/03/2024 |