M.R. GAIR LTD
- · Oldest live charge 10.6y old — refinance window within 12 months
- 45200SIC 45200
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 10.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · 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 | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Average employees | 8 | 800 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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 accounts
Corporate timeline (18 events)Click to expand
- 2026-01-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-11-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-08-16📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-04📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-10-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2015-10-19🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2015-02-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-01-13✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2014-12-23🏢Company incorporatedAs M.R. GAIR LTD
- 2014-12-23➕GAIR, Lesley Jane appointeddirector
- 2014-12-23➕GAIR, Mark Richard 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 "GAIR" — strong identity link between founder and business.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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 |
|---|---|---|---|---|
Lesley Jane Gair Individual · British · DOB 03/1961 · age 65 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Mark Richard Gair Individual · British · DOB 07/1960 · age 66 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| BIXTER GARAGE LIMITED→ SC362464 · est 2009 | — | — | — | 4 | 16y | 82 | 69y |
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| LEASK MOTOR GARAGE (LERWICK) LIMITED→ SC053883 · est 1973 | — | — | — | 700 | 52y | 77 | 58y |
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| BURRA MOTOR REPAIRS LIMITED→ SC442953 · est 2013 | — | — | — | 500 | 13y | 75 | 53y |
| JIM'S GARAGE(SHETLAND) LIMITED→ SC083633 · est 1983 · no financials extracted | — | — | — | — | 42y | 75 | 71y |
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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 The Royal Bank of Scotland PLC | A registered charge | — | 19/10/2015 | — |