NORTHERN PEAT AND MOSS LIMITED
- · Oldest live charge 11.0y old — refinance window within 12 months
Opportunity 75/100 (strong), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
1 live charge · oldest 11.0y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)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 105 (micro)| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £1.97M | £1.69M |
| Current assets | £1.69M | £1.32M |
| Net assets | £1.97M | £1.69M |
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 accounts
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2026-02-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-10-01➕GALL, Julie Margaret appointeddirector
- 2025-10-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-10-07➕GILLIES, Iain appointeddirector
- 2022-10-07➖GILLIES, Iain resigneddirector
- 2022-10-07➖GODSMAN, Neil Mackie resigneddirector
- 2022-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-02-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-05-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-04-23🔒Charge registered #1Lender: Bank of Scotland PLC
- 2014-06-09🏢Company incorporatedAs NORTHERN PEAT AND MOSS LIMITED
- 2014-06-09➕GALL, Russell John appointeddirector
- 2014-06-09➕GODSMAN, Neil Mackie appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Iain Gillies Individual · British · DOB 03/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 07/10/2022 |
Mr Russell John Gall Individual · British · DOB 05/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mr Neil Mackie Godsmanceased 07/10/2022· 25-50% shares · 25-50% voting · firm interest
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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6 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 · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 23/04/2015 | — |