GEMM 4 X 4 LIMITED

🌳Matureactive

SC280398 · ltd · incorporated 2005-02-22

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.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 20.5y old — refinance window within 12 months

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No material changes in the last 90 days.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£189.4k

book net assets

Opportunity

82/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: SIC 45200

Sector: Wholesale & retail

Investor take

Pursue

Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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

2 live charges · oldest 20.5y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 20.5 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 (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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

3 officers (3 active, 3 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

1 connected companies via shared directors

Filing history

48 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £189,422

Net assets shrinking

Down £342 YoY

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£189k

~ YoY

Current Assets

£450k

↑ 9.1% YoY

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
Total assets	£189.4k	£189.8k
Current assets	£449.5k	£412.0k
Debtors	£69.3k	£56.7k
Net assets	£189.4k	£189.8k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (20 events)Click to expand

2025-08-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-19
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-09-03
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-09-25
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2016-12-08
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-03-23
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-12-07
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-03-05
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-08-28
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2007-04-16
🔒
Charge registered #2
Lender: Lloyds Tsb Scotland PLC
2006-01-20
🔒
Charge registered #1
Lender: Lloyds Tsb Scotland PLC
2005-02-22
🏢
Company incorporated
As GEMM 4 X 4 LIMITED
2005-02-22
➕
MCLAY, Margaret appointed
secretary
2005-02-22
➕
MCLAY, George Bennie appointed
director
2005-02-22
➕
MCLAY, Margaret appointed
director

Owner dependency

91/100

Critical — business is the founder

The 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.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 66 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 66. 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 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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr George Bennie Mclay Individual · British · DOB 06/1960 · age 66	50–75%	—	50-75% shares	22/02/2017

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

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Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
DUMBARTON SERVICE STATION LIMITED→ SC261638 · est 2004	—	—	£948.4k	—	22y	83	60y
J K TYRES AND AUTOCENTRE LIMITED→ SC253238 · est 2003 · no financials extracted	—	—	—	—	22y	83	61y
PEOPLES DETROIT LIMITED→ SC119922 · est 1989 · no financials extracted	—	—	—	—	36y	83	77y
REDHOUSE GARAGE (SCOTLAND) LIMITED→ SC348251 · est 2008	—	—	£211.4k	—	17y	83	71y
333 SERVICES LIMITED→ SC314584 · est 2007	—	—	—	300	19y	82	71y
A T W TRANSPORT LTD.→ SC217667 · est 2001	—	—	—	—	25y	82	59y
BROOK STREET AUTOS LIMITED→ SC140531 · est 1992	—	—	—	6	33y	82	72y
CENTRAL GARAGE (STIRLING) LTD→ SC378947 · est 2010	—	—	£126.3k	—	16y	82	72y
D CRAM BODY REPAIRS LIMITED→ SC164802 · est 1996	—	—	£298.2k	—	30y	82	67y
FAIRDEAL TYRES LTD.→ SC233638 · est 2002	—	—	£567.2k	—	24y	82	60y
GLENGYLE GARAGE LIMITED→ SC059483 · est 1976	—	—	—	2	50y	82	72y
H & J BURGOYNE (VAN SALES) LIMITED→ SC328455 · est 2007	—	—	£529.4k	—	18y	82	66y

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

🔒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

Incorporated2005-02-22

Jurisdictionscotland

Primary SIC45200 — SIC 45200

Registered office

Railway Cottage

Lochlands

Larbert

Stirlingshire

FK5 3NN

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-02

Last: 2026-02-16

Officers (3 active · 0 resigned)

MCLAY, Margaret→

secretary · appointed 2005-02-22

View their other companies + combined net worth →

Active

MCLAY, George Bennie→

director · ~66y · appointed 2005-02-22

View their other companies + combined net worth →

Active

MCLAY, Margaret→

director · ~62y · appointed 2005-02-22

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Lloyds Banking Group Lloyds Tsb Scotland PLC	Standard security	1 property	16/04/2007	—
	outstanding	Lloyds Banking Group Lloyds Tsb Scotland PLC	Bond & floating charge	1 property	20/01/2006	—

Click column headers to sort. Use filters above to narrow by status and lender.