GLOAG INVESTMENTS GROUP LIMITED

🌳Matureactive
SC527272 · ltd · incorporated 2016-02-18
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 9.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 84-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 84). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 9.5y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 9.5 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
46 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-08-14
    📄
    capital-allotment-shares
    capital · SH01
  4. 2024-08-12
    📄
    notice-restriction-on-company-articles
    change-of-constitution · CC01
  5. 2024-08-12
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  6. 2024-08-12
    📄
    memorandum-articles
    incorporation · MA
  7. 2024-08-12
    📄
    resolution
    resolution · RESOLUTIONS
  8. 2023-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-03-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-06-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2019-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-10-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2019-10-08
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  16. 2018-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-11-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2016-10-26
    🔒
    Charge registered #1
    Lender: Sarah Evelyn Gloag in Her Capacity as Present Trustee of the Gloag Foundation
  19. 2016-10-12
    ➕
    DAVIDSON, Kay appointed
    secretary
  20. 2016-10-12
    ➖
    DM COMPANY SERVICES LIMITED resigned
    corporate-secretary
  21. 2016-10-06
    ➕
    BRADLEY, Pauline Anne appointed
    director
  22. 2016-10-06
    ➕
    GLOAG, Ann Heron appointed
    director
  23. 2016-10-06
    ➖
    GILCHRIST, Ewan Caldwell resigned
    director
  24. 2016-02-18
    🏢
    Company incorporated
    As GLOAG INVESTMENTS GROUP LIMITED
  25. 2016-02-18
    ➕
    DM COMPANY SERVICES LIMITED appointed
    corporate-secretary
  26. 2016-02-18
    ➕
    GILCHRIST, Ewan Caldwell appointed
    director

Owner dependency

88/100
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.
  • +Founder name in company name: Company name contains director surname "GLOAG" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 84 — succession pressure is live.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Dame Ann Heron Gloag
Individual · British · DOB 12/1942 · age 84
75–100%
75–100%board control75-100% shares · 75-100% voting · board control22/10/2016

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 →

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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 →
🔒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
Incorporated2016-02-18
Jurisdictionscotland
Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

56 George Street
Edinburgh
EH2 2LR

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-03
Last: 2026-02-17

Officers (3 active · 2 resigned)

DAVIDSON, Kay→
secretary · appointed 2016-10-12
View their other companies + combined net worth →
Active
BRADLEY, Pauline Anne→
director · ~65y · appointed 2016-10-06
View their other companies + combined net worth →
Active
GLOAG, Ann Heron→
director · ~84y · appointed 2016-10-06
View their other companies + combined net worth →
Active
DM COMPANY SERVICES LIMITED→
corporate-secretary · appointed 2016-02-18 · resigned 2016-10-12
Resigned
GILCHRIST, Ewan Caldwell→
director · ~57y · appointed 2016-02-18 · resigned 2016-10-06
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property08/10/2019—
outstanding
Sarah Evelyn Gloag in Her Capacity as Present Trustee of the Gloag Foundation / Pamela Ann Gloag Gray in Her Capacity as Present Trustee of the Gloag Foundaction / David Joseph Mccleary in His Capacity as Present Trustee of the Gloag Foundation / Ann Heron Gloag in Her Capacity as Present Trustee of the Gloag Foundation
A registered charge1 property26/10/2016—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (46 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-09
capital-allotment-shares
capital · SH01
2024-08-14
notice-restriction-on-company-articles
change-of-constitution · CC01
2024-08-12
capital-variation-of-rights-attached-to-shares
capital · SH10
2024-08-12
memorandum-articles
incorporation · MA
2024-08-12
resolution
resolution · RESOLUTIONS
2024-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-21