HECTOR CAMERON SECURITIES LIMITED
🌳Matureactive
01227458 · ltd · incorporated 1975-09-24
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£353.0k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 70229Management consultancy activities other than financial management
Investor take
PursueAsset-holding vehicle with a 91-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 77/100. Strong seller-intent signal (78/100, director aged 91). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
5 live charges · 3 lenders · oldest 44.4y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 44.4 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 4 with DOB)
86
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
116 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £353,000
Cash YoY
-39%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£19k
↓ 39% YoY
Net Worth
£353k
↑ 4.3% YoY
Current Assets
£33k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £399.2k | £384.5k |
| Current assets | £32.8k | £32.7k |
| Cash | £19.1k | £31.2k |
| Debtors | £13.7k | £1.6k |
| Net assets | £353.0k | £338.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2025-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-01-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-01-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-31🔓Charge satisfied #5
- 2024-10-31🔓Charge satisfied #3
- 2024-10-22➖BROATCH, Caroline Jane resigneddirector
- 2024-10-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-11-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-07-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-07-30📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-30📄change-person-director-company-with-change-dateofficers · CH01
- 2020-02-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-02-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-11-30➖CAMERON, Hector Ferguson resignedsecretary
- 2018-11-30➖CAMERON, Hector Ferguson resigneddirector
- 2012-01-15➕CAMERON, John Neil appointeddirector
- 2011-08-31➕BROATCH, Caroline Jane appointeddirector
- 2008-06-24🔓Charge satisfied #4
- 2003-06-27🔒Charge registered #5Lender: The Governor and Company of the Bank of Scotland
- 2003-06-27🔒Charge registered #4Lender: The Governor and Company of the Bank of Scotland
- 2003-06-26🔓Charge satisfied #2
- 2003-05-16🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland
- 1998-11-02🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1988-06-09🔓Charge satisfied #1
- 1981-11-12🔒Charge registered #1Lender: Midland Bank PLC
- 1975-09-24🏢Company incorporatedAs HECTOR CAMERON SECURITIES LIMITED
Owner dependency
96/100
Critical — business is the founderThe 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 "CAMERON" — strong identity link between founder and business.
- +Founder age: Director aged approximately 91 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
89/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 91 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- secondaryStable-but-static management: Company is 51 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Caroline Jane Broatch Individual · British · DOB 05/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/11/2019 |
Mr John Neil Cameron Individual · British · DOB 11/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/11/2019 |
Mrs Agnes Nancy Cameron Individual · British · DOB 03/1935 · age 91 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mr Hector Ferguson Cameronceased 30/11/2018· 25-50% shares · 25-50% voting
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.
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| A&K HERD LTD→ 10754966 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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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
Incorporated1975-09-24
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
The Cottage
Brisco
Nr Carlisle
CA4 0QS
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-16
Last: 2025-08-02
Officers (2 active · 3 resigned)
Active
CAMERON, John Neil→
Activedirector · ~63y · appointed 2012-01-15
View their other companies + combined net worth →
CAMERON, Hector Ferguson→
Resignedsecretary · resigned 2018-11-30
BROATCH, Caroline Jane→
Resigneddirector · ~66y · appointed 2011-08-31 · resigned 2024-10-22
CAMERON, Hector Ferguson→
Resigneddirector · ~97y · resigned 2018-11-30
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 27/06/2003 | 31/10/2024 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 27/06/2003 | 24/06/2008 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 16/05/2003 | 31/10/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 02/11/1998 | 26/06/2003 | |
| satisfied | Midland Bank Midland Bank PLC | Fixed and floating charge | 1 property | 12/11/1981 | 09/06/1988 |
Recent filings (116 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-10
change-person-director-company-with-change-date
officers · CH01
2025-01-10
change-person-director-company-with-change-date
officers · CH01
2025-01-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-18
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-31
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-31
termination-director-company-with-name-termination-date
officers · TM01
2024-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-27