GRM INVESTMENTS LIMITED

🌳Matureactive
SC346383 · ltd · incorporated 2008-07-31
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 3.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2024
Net worth
£31.7k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 3.6y

75/100
ready

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

  • · Charge age ~3.6 years — mid-life; refi window approaching.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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 (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
44 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 declared
Positive net assets
Net assets £31,668

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£32k
↑ 16% YoY
Current Assets
£905k
↑ 8.2% YoY
Current Liabilities
—
£0£181k£362k£543k£724k£905kJul 2023Jul 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-07-312023-07-31
Total assets£27.2k£25.2k
Current assets£905.1k£836.5k
Net assets£31.7k£27.4k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2023-04-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-10-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2022-10-12
    🔒
    Charge registered #1
    Lender: Beechwood Developments (Scotland) Limited
  7. 2022-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-07-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2019-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-08-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2017-04-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-04-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-07-31
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2013-07-31
    ➖
    MCDONALD, Mark resigned
    director
  17. 2008-07-31
    🏢
    Company incorporated
    As GRM INVESTMENTS LIMITED
  18. 2008-07-31
    ➕
    MCDONALD, Gwendoline Ann appointed
    secretary
  19. 2008-07-31
    ➕
    MCDONALD, Gwendoline Ann appointed
    director
  20. 2008-07-31
    ➕
    MCDONALD, Roy appointed
    director
  21. 2008-07-31
    ➕
    MCDONALD, Mark 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 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
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 65. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 18 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
NameSharesVoting rightsNature of controlNotified
Mr Roy Mcdonald
Individual · British · DOB 07/1961 · age 65
25–50%
25–50%board control25-50% shares · 25-50% voting · board control · firm interest30/06/2016
Mrs Gwendoline Ann Mcdonald
Individual · British · DOB 03/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting30/06/2016

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 · Construction · PH postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
BEAR SCOTLAND LIMITED→
SC206139 · est 2000
£13.00M
£9.29M–£16.72M
———26y8365y
G.S. BROWN CONSTRUCTION LIMITED→
SC047574 · est 1970
£3.14M
£2.24M–£4.03M
——4655y8483y
A. PROCTOR GROUP LIMITED→
SC105054 · est 1987
£1.97M
£1.40M–£2.53M
——10238y8760y
BALHOUSIE GLAZING LIMITED→
SC148115 · est 1993
——£216.9k—32y8370y
ALGO (BLAIRGOWRIE) LIMITED→
SC166057 · est 1996
——£5.05M—29y8285y
CALEDONIAN DEVELOPMENTS LTD.→
SC211941 · est 2000
———20025y8264y
CIOCH LIMITED→
SC169567 · est 1996
——£62.8k—29y8276y
GILLIES & MACKAY LIMITED→
SC237291 · est 2002
——£89.9k—23y8266y
J. F. HALLEY & SON LIMITED→
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———421y8266y
JAMES MOFFAT CONSTRUCTION LIMITED→
SC333711 · est 2007
——£127.4k—18y8261y
STEWART ELECTRICAL SERVICES LTD→
SC835850 · est 2025 · no financials extracted
————1y——
SUTHERS STONEMASONRY LIMITED→
SC799950 · est 2024 · no financials extracted
————2y——
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 →
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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
Incorporated2008-07-31
Jurisdictionscotland
Primary SIC41202 — Construction of domestic buildings

Registered office

6 Atholl Crescent
Perth
PH1 5JN

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-07-31
Confirmation statement
Next due: 2026-11-26
Last: 2025-11-12

Officers (3 active · 1 resigned)

MCDONALD, Gwendoline Ann→
secretary · appointed 2008-07-31
View their other companies + combined net worth →
Active
MCDONALD, Gwendoline Ann→
director · ~64y · appointed 2008-07-31
View their other companies + combined net worth →
Active
MCDONALD, Roy→
director · ~65y · appointed 2008-07-31
View their other companies + combined net worth →
Active
MCDONALD, Mark→
director · ~44y · appointed 2008-07-31 · resigned 2013-07-31
Resigned

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
TypeProperties
outstanding
Beechwood Developments (Scotland)
Beechwood Developments (Scotland) Limited
A registered charge1 property12/10/2022—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (44 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-27
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-26
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-09
accounts-with-accounts-type-micro-entity
accounts · AA
2020-07-30
confirmation-statement-with-updates
confirmation-statement · CS01
2019-11-12