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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 14.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueActive 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 14.8y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 14.8 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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-12-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-09➕BROWN, Jason Craig appointeddirector
- 2025-10-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-27🔓Charge satisfied #3
- 2025-10-27🔓Charge satisfied #1
- 2025-06-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-29🔓Charge satisfied #2
- 2022-11-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-12📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-09-12🔒Charge registered #3Lender: Bank of Scotland PLC
- 2011-09-12🔒Charge registered #2Lender: Bank of Scotland PLC
- 2011-07-21🔒Charge registered #1Lender: Bank of Scotland PLC
- 2008-03-29🏢Company incorporatedAs GF BUILDINGS LIMITED
- 2008-03-29➕CUMMING, Derek appointedsecretary
- 2008-03-29➕CUMMING, Derek appointeddirector
- 2008-03-29➕FLEMING, Gerald appointeddirector
- 2008-03-29➕FLEMING, Gwyneth appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial 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 signalMultiple 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Gwyneth Fleming Individual · British · DOB 10/1949 · age 77 | 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.
🔒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
Active · Property · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FORT PROPERTY LTD→ SC552065 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| FPA HOUSING LTD→ SC766607 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| G.T.F. ASSOCIATES LIMITED→ SC139929 · est 1992 · no financials extracted | — | — | — | — | 33y | — | — |
| GAZNAN ENTERPRISES LIMITED→ SC646046 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| GLASGOW PENTHOUSE LTD→ SC843195 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GLENCAIRN ESTATES LIMITED→ SC553140 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| GLENCAIRN PROPERTY LTD→ SC881230 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| GLJH PROPERTY LTD→ SC745898 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| GLOW HOMES AYRSHIRE ESTATE AGENTS LTD→ SC671515 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GMS PROPERTY SOLUTIONS LIMITED→ SC863481 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GOOSE AND CO PROPERTY LTD→ SC851883 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GORDERTON LIMITED→ SC298837 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
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)
Active
BROWN, Jason Craig→
Activedirector · ~54y · appointed 2025-12-09
View their other companies + combined net worth →
CUMMING, Derek→
Activedirector · ~71y · appointed 2008-03-29
View their other companies + combined net worth →
FLEMING, Gerald→
Activedirector · ~77y · appointed 2008-03-29
View their other companies + combined net worth →
FLEMING, Gwyneth→
Activedirector · ~77y · appointed 2008-03-29
View their other companies + combined net worth →
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 12/09/2011 | 27/10/2025 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 12/09/2011 | 29/04/2023 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Bond & floating charge | 1 property | 21/07/2011 | 27/10/2025 |
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