GRAHAM'S RETAIL LIMITED
🌳Matureactive
SC357303 · ltd · incorporated 2009-03-26
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 16.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£187.5k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Retail sale of fruit and vegetables in specialised stores
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
1 live charge · oldest 16.9y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 16.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)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
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
52 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
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 £187,467
Net assets shrinking
Down £5,563 YoY
Cash YoY
+2%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£425k
↑ 2.1% YoY
Net Worth
£187k
↓ 2.9% YoY
Current Assets
£500k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £246.4k | £265.7k |
| Current assets | £499.7k | £498.5k |
| Cash | £424.8k | £416.1k |
| Debtors | £24.3k | £24.4k |
| Net assets | £187.5k | £193.0k |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-10-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-22📄change-person-secretary-company-with-change-dateofficers · CH03
- 2019-02-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-02-22📄change-person-director-company-with-change-dateofficers · CH01
- 2019-02-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-02-22📄change-person-director-company-with-change-dateofficers · CH01
- 2018-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-11-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2009-06-17🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2009-03-26🏢Company incorporatedAs GRAHAM'S RETAIL LIMITED
- 2009-03-26➕GRAHAM, Elizabeth Ann appointedsecretary
- 2009-03-26➕GRAHAM, Elizabeth Ann appointeddirector
- 2009-03-26➕GRAHAM, Scott appointeddirector
- 2009-03-26➕BRIAN REID LTD. appointedcorporate-secretary
- 2009-03-26➖BRIAN REID LTD. resignedcorporate-secretary
- 2009-03-26➕MABBOTT, Stephen George appointeddirector
- 2009-03-26➖MABBOTT, Stephen George resigneddirector
Owner dependency
91/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "GRAHAM" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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 |
|---|---|---|---|---|
Mrs Elizabeth Ann Graham Individual · British · DOB 03/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Scott Graham Individual · Scottish · DOB 01/1976 · age 50 | 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.
Similar companies
Active · Retail · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HAROON HAYAT LTD→ SC864454 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HOOJY LTD→ SC700088 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| J & C LYNCH LTD→ SC789489 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| J WATT RESTORATIONS LIMITED→ SC246202 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| JAL BEAUTY SERVICES LTD→ SC627977 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| JANITORIAL SUPPLIES (HUNTLY) LIMITED→ SC232811 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| JAVAM FOODS LTD→ SC816148 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JAY DAVY LTD→ SC870000 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JENNAMORRISON LTD→ SC777019 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JENNELLYS WORLD LTD→ SC877318 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| JM ELITE RETAIL LIMITED→ SC880539 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| JMK JUNIOR LTD→ SC257396 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2009-03-26
Jurisdictionscotland
Primary SIC47210 — Retail sale of fruit and vegetables in specialised stores
Registered office
55-57 West High Street
Inverurie
AB51 3QQ
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-04-09
Last: 2026-03-26
Officers (3 active · 2 resigned)
GRAHAM, Elizabeth Ann→
Activesecretary · appointed 2009-03-26
View their other companies + combined net worth →
GRAHAM, Elizabeth Ann→
Activedirector · ~51y · appointed 2009-03-26
View their other companies + combined net worth →
GRAHAM, Scott→
Activedirector · ~50y · appointed 2009-03-26
View their other companies + combined net worth →
BRIAN REID LTD.→
Resignedcorporate-secretary · appointed 2009-03-26 · resigned 2009-03-26
MABBOTT, Stephen George→
Resigneddirector · ~76y · appointed 2009-03-26 · resigned 2009-03-26
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 | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 17/06/2009 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (52 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-15
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-27
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-19
confirmation-statement-with-updates
confirmation-statement · CS01
2020-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-29