G & A MACDONALD LIMITED
🌳Matureactive
SC298295 · ltd · incorporated 2006-03-07
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£328
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Plastering
Sector: Construction
Investor take
PursueActive trading company with a 67-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -35% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 6.4y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
52 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
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 £328
Net assets shrinking
Down £5,147 YoY
Cash YoY
-35%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£20k
↓ 35% YoY
Net Worth
£328
↓ 94% YoY
Current Assets
£30k
↓ 36% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £11.4k | £20.3k |
| Current assets | £30.4k | £47.4k |
| Cash | £20.1k | £30.9k |
| Debtors | £10.4k | £16.5k |
| Net assets | £328 | £5.5k |
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
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 (21 events)Click to expand
- 2025-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-12-03🔒Charge registered #1Lender: Bank of Scotland PLC
- 2018-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-03-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-03-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-01-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-25📄capital-allotment-sharescapital · SH01
- 2018-01-24➕MACDONALD, Craig appointeddirector
- 2018-01-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2006-03-07🏢Company incorporatedAs G & A MACDONALD LIMITED
- 2006-03-07➕MACDONALD, Anne appointedsecretary
- 2006-03-07➕MACDONALD, Anne appointeddirector
- 2006-03-07➕MACDONALD, Gilbert appointeddirector
Owner dependency
98/100
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
- +Founder name in company name: Company name contains director surname "MACDONALD" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
80/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 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 |
|---|---|---|---|---|
Mr Craig Macdonald Individual · British · DOB 10/1991 · age 35 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/01/2018 |
Mr Gilbert Macdonald Individual · British · DOB 05/1959 · age 67 | — | — | sig. influencesignificant influence | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Anne Macdonaldceased 25/01/2018· 25-50% shares · 25-50% voting
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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|---|---|---|---|---|---|---|---|
| JIM DALZIEL PLUMBING AND HEATING LIMITED→ SC401707 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| JJ PLUMBING & BATHROOMS LIMITED→ SC716552 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| JL ROOFING SERVICES LIMITED→ SC869098 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JLR DEVELOPMENTS LTD→ SC790075 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JOHN SMITH ELECTRICAL SERVICES LIMITED→ SC287377 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| LEE GLOVER ROOFING CONTRACTORS LIMITED→ SC249990 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| LMF ROOFING & ROOFLINE LIMITED→ SC783874 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| LOCKHART CONSERVATORIES LIMITED→ SC234234 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| LTM DECORATORS LIMITED→ SC708787 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| LUCE BAY PLANT HIRE LIMITED→ SC060031 · est 1976 · no financials extracted | — | — | — | — | 49y | — | — |
| M AYRES ROOFING SERVICES LIMITED→ SC553333 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| M CAINES JOINERY LTD→ SC724794 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2006-03-07
Jurisdictionscotland
Primary SIC43310 — Plastering
Registered office
The Beeches
Battlehill
Annan
DG12 6SN
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-03-21
Last: 2026-03-07
Officers (4 active · 0 resigned)
Active
MACDONALD, Anne→
Activedirector · ~64y · appointed 2006-03-07
View their other companies + combined net worth →
MACDONALD, Craig→
Activedirector · ~35y · appointed 2018-01-24
View their other companies + combined net worth →
MACDONALD, Gilbert→
Activedirector · ~67y · appointed 2006-03-07
View their other companies + combined net worth →
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 | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 03/12/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (52 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-12-05