GIRVANS RESTAURANT LIMITED
Opportunity 76/100 (strong), bankability 85/100. Strong seller-intent signal (78/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
4 live charges · oldest 10.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 10.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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 · accounting standard unknown| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Average employees | — | 3200 |
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 confirmation-statement
Corporate timeline (27 events)Click to expand
- 2025-07-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-04-07📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-08-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-15🔓Charge satisfied #4
- 2024-08-15🔓Charge satisfied #3
- 2024-08-15🔓Charge satisfied #2
- 2024-07-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-01🔓Charge satisfied #1
- 2024-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-27📄change-person-director-company-with-change-dateofficers · CH01
- 2020-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-10-19🔒Charge registered #4Lender: Bank of Scotland PLC
- 2015-10-16🔒Charge registered #3Lender: Bank of Scotland PLC
- 2015-10-16🔒Charge registered #2Lender: Bank of Scotland PLC
- 2015-09-17🔒Charge registered #1Lender: Bank of Scotland PLC
- 2015-03-03🏢Company incorporatedAs GIRVANS RESTAURANT LIMITED
- 2015-03-03➕GIRVAN, Fiona appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "GIRVAN" — strong identity link between founder and business.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +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.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Multiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Fiona Girvan Individual · Scottish · DOB 03/1960 · age 66 | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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8 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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 19/10/2015 | 15/08/2024 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 16/10/2015 | 15/08/2024 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 16/10/2015 | 15/08/2024 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 17/09/2015 | 01/07/2024 |