GF BUILDINGS LIMITED

🌳Matureactive
SC340429 · ltd · incorporated 2008-03-29
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
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 14.9y 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 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
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (73/100, director aged 77). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · oldest 14.9y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 14.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (60/100)

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
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
5 officers (5 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-12-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2025-12-09
    ➕
    BROWN, Jason Craig appointed
    director
  3. 2025-10-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2025-10-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2025-10-27
    🔓
    Charge satisfied #3
  6. 2025-10-27
    🔓
    Charge satisfied #1
  7. 2025-06-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2024-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2023-05-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2023-04-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2023-04-29
    🔓
    Charge satisfied #2
  12. 2022-11-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-08-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2021-03-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-12-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2017-12-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2016-12-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  19. 2016-04-12
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  20. 2011-09-12
    🔒
    Charge registered #3
    Lender: Bank of Scotland PLC
  21. 2011-09-12
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  22. 2011-07-21
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  23. 2008-03-29
    🏢
    Company incorporated
    As GF BUILDINGS LIMITED
  24. 2008-03-29
    ➕
    CUMMING, Derek appointed
    secretary
  25. 2008-03-29
    ➕
    CUMMING, Derek appointed
    director
  26. 2008-03-29
    ➕
    FLEMING, Gerald appointed
    director
  27. 2008-03-29
    ➕
    FLEMING, Gwyneth appointed
    director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 77 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 18 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Gwyneth Fleming
Individual · British · DOB 10/1949 · age 77
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated2008-03-29
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

16 Cathcart Street
Ayr
Ayrshire
KA7 1BJ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-12
Last: 2026-03-29

Officers (5 active · 0 resigned)

CUMMING, Derek→
secretary · appointed 2008-03-29
View their other companies + combined net worth →
Active
BROWN, Jason Craig→
director · ~54y · appointed 2025-12-09
View their other companies + combined net worth →
Active
CUMMING, Derek→
director · ~71y · appointed 2008-03-29
View their other companies + combined net worth →
Active
FLEMING, Gerald→
director · ~77y · appointed 2008-03-29
View their other companies + combined net worth →
Active
FLEMING, Gwyneth→
director · ~77y · appointed 2008-03-29
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
Standard security1 property12/09/201127/10/2025
satisfied
Lloyds Banking Group
Bank of Scotland PLC
Standard security1 property12/09/201129/04/2023
satisfied
Lloyds Banking Group
Bank of Scotland PLC
Bond & floating charge1 property21/07/201127/10/2025

Recent filings (43 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-22
appoint-person-director-company-with-name-date
officers · AP01
2025-12-15
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-27
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-21
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-05
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-05
mortgage-satisfy-charge-full
mortgage · MR04
2023-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-05
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-11