INVERSTORE (GREENOCK) LTD
Opportunity 78/100 (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: 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
1 live charge · oldest 0.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 0.3 years old — likely still in initial term.
- · 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £473.6k | £413.2k |
| Current assets | £354.0k | £443.5k |
| Cash | £297.8k | £386.5k |
| Debtors | £55.8k | £56.7k |
| Net assets | £452.1k | £376.0k |
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 mortgage
- • 1 confirmation-statement
Corporate timeline (20 events)Click to expand
- 2026-01-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-22🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2025-09-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-02📄change-person-director-company-with-change-dateofficers · CH01
- 2019-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-01-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-09-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-09-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-09-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-09-20📄change-person-director-company-with-change-dateofficers · CH01
- 2017-01-24🏢Company incorporatedAs INVERSTORE (GREENOCK) LTD
- 2017-01-24➕HOWARD, Edward Victor 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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +No director turnover: Company is 9 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.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Edward Victor Howard Individual · British · DOB 05/1968 · age 58 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 24/01/2017 |
Susannah Jane Howard Individual · British · DOB 01/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 24/01/2017 |
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 (1 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 | 1 property | 22/12/2025 | — |