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.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

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

🔒Estimated value

—

Upgrade to see

Turnover

—

year to May 2025

Net worth

£328

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Plastering

Sector: Construction

Investor take

Pursue

Active 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 6.5y

45/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 6.5 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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

4 officers (4 active, 4 linked, 3 with DOB)

Ownership & PSC

2 active PSC(s) of 3 total, 3 with control declared

Director network

1 connected companies via shared directors

Filing history

52 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 · accounting standard not declared

Positive 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 accounts

Cash

£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

filings

Last 90 days

filings

Last 180 days

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-full
accounts · AA
2024-11-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-05
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-12-03
🔒
Charge registered #1
Lender: Bank of Scotland PLC
2018-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-03-19
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2018-03-19
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-03-19
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2018-01-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-01-25
📄
capital-allotment-shares
capital · SH01
2018-01-24
➕
MACDONALD, Craig appointed
director
2018-01-24
📄
appoint-person-director-company-with-name-date
officers · AP01
2006-03-07
🏢
Company incorporated
As G & A MACDONALD LIMITED
2006-03-07
➕
MACDONALD, Anne appointed
secretary
2006-03-07
➕
MACDONALD, Anne appointed
director
2006-03-07
➕
MACDONALD, Gilbert appointed
director

Owner dependency

98/100

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

+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 candidate

Strong 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

clean

No 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.

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Similar companies

Active · Construction · DG postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
DAVID HARDIE ENGINEERING LTD.→ SC162759 · est 1996	£1.92M £1.37M–£2.46M	—	—	68	30y	87	66y
ACON LIMITED→ SC277386 · est 2004	—	—	£29.0k	—	21y	83	62y
ICM DEVELOPMENTS LIMITED→ SC332169 · est 2007	—	—	£515.5k	—	18y	83	68y
A & H FLOOR COVERING SPECIALISTS LIMITED→ SC229101 · est 2002	—	—	—	500	24y	82	73y
A.I. TONNAR LIMITED→ SC221253 · est 2001	—	—	£264.5k	—	24y	82	68y
BELL ELECTRICAL GROUP LIMITED→ SC150935 · est 1994	—	—	£990.5k	—	32y	82	79y
BORDER HOMES LTD→ SC388242 · est 2010	—	—	—	1400	15y	82	69y
BUILDING CRAFTSMEN (YEOVIL) LIMITED→ SC104994 · est 1987	—	—	£2.32M	—	39y	82	68y
DONALD C. MCROBERT & SON LIMITED→ SC271631 · est 2004	—	—	£107.3k	—	21y	82	79y
ENERGY CENTRE SCOTLAND LIMITED→ SC395458 · est 2011	—	—	£200.6k	—	15y	82	66y
FERRIE HEATING SERVICES LIMITED→ SC356337 · est 2009	—	—	£31.1k	—	17y	82	60y
GALLOWAY PLANT HIRE LIMITED→ SC151067 · est 1994	—	—	—	300	32y	82	63y

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.

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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)

MACDONALD, Anne→

secretary · appointed 2006-03-07

View their other companies + combined net worth →

Active

MACDONALD, Anne→

director · ~64y · appointed 2006-03-07

View their other companies + combined net worth →

Active

MACDONALD, Craig→

director · ~35y · appointed 2018-01-24

View their other companies + combined net worth →

Active

MACDONALD, Gilbert→

director · ~67y · appointed 2006-03-07

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: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.