GLACHBEG CROFT LTD
Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -63% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 3.9y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.9 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
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 | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £195.2k | £190.1k |
| Current assets | £29.0k | £20.7k |
| Cash | £2.5k | £6.6k |
| Debtors | £18.7k | £7.8k |
| Net assets | £28.0k | £13.2k |
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
- • 1 accounts
Corporate timeline (11 events)Click to expand
- 2025-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-06-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-06🔒Charge registered #2Lender: Bank of Scotland PLC
- 2022-05-17🔒Charge registered #1Lender: Bank of Scotland PLC
- 2022-02-16🏢Company incorporatedAs GLACHBEG CROFT LTD
- 2022-02-16➕SMILLIE, Eve Martin Gale appointeddirector
- 2022-02-16➕SPOONER, David Paul appointeddirector
- 2022-02-16📄incorporation-companyincorporation · NEWINC
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Eve Martin Gale Smillie Individual · British · DOB 02/1985 · age 41 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 16/02/2022 |
Mr David Paul Spooner Individual · British · DOB 02/1985 · age 41 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 16/02/2022 |
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 (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 Bank of Scotland PLC | A registered charge | 1 property | 06/06/2022 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 17/05/2022 | — |