GRANTS OF SPEYSIDE LTD.
- · Oldest live charge 13.3y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 13.3y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 13.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 25 | 2300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (19 events)Click to expand
- 2025-08-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-17📄resolutionresolution · RESOLUTIONS
- 2022-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-11📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2018-05-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-04-20🔒Charge registered #2Lender: Lloyds Bank Commercial Finance Limited
- 2017-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-01📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-01-18🔒Charge registered #1Lender: Bank of Scotland PLC
- 2012-11-23🏢Company incorporatedAs GRANTS OF SPEYSIDE LTD.
- 2012-11-23➕GRANT, Charles Alexander Stuart appointeddirector
- 2012-11-23➕GRANT, Ellen Marjory appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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 "GRANT" — strong identity link between founder and business.
- +Founder age: Director aged approximately 74 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Charles Alexander Stuart Grant Individual · British · DOB 07/1952 · age 74 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Ellen Marjory Grant Individual · British · DOB 11/1955 · age 71 | 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.
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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank Commercial Finance Limited | A registered charge | — | 20/04/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Floating charge | 1 property | 18/01/2013 | — |