GEORGE STUBBS FINANCIAL SERVICES LIMITED
⚰️Wound downdissolved
SC150771 · ltd · incorporated 1994-05-09
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
63/100
Worth a look
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 63/100 (worth a look), bankability 72/100. Strong seller-intent signal (60/100, director aged 60). 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
3 live charges · 3 lenders · oldest 17.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 17.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (58/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
15 officers (2 active, 15 linked, 12 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
124 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
63/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (59 events)Click to expand
- 2024-12-10📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2024-12-10🏁Company dissolved
- 2024-11-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-24📄gazette-notice-voluntarygazette · GAZ1(A)
- 2024-09-12📄dissolution-application-strike-off-companydissolution · DS01
- 2024-07-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-10📄memorandum-articlesincorporation · MA
- 2024-01-03📄resolutionresolution · RESOLUTIONS
- 2023-12-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-12-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-12-20🔓Charge satisfied #3
- 2023-12-20🔓Charge satisfied #2
- 2023-12-19➖LAFFERTY, James resigneddirector
- 2023-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-11📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-05-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-13➕EDWARDS, David appointeddirector
- 2023-04-13➖KING, Anthony Robert resigneddirector
- 2023-03-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-07➕TAYLOR, Robert Walter Thomas Urry appointeddirector
- 2023-02-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-10🔒Charge registered #3Lender: Investec Bank PLC (As Security Agent)
- 2023-02-10🔒Charge registered #2Lender: Investec Bank PLC
- 2022-08-05➖COGMAN-HELLIER, Simon Mark resigneddirector
- 2022-08-05➕KING, Anthony Robert appointeddirector
- 2022-08-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-08-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-30➕COGMAN-HELLIER, Simon Mark appointeddirector
- 2022-06-30➖FLEMING, Sean Liam resigneddirector
- 2022-06-30➖HERD, Keith Baird resigneddirector
- 2022-06-30➕LAFFERTY, James appointeddirector
- 2022-06-30➖LAFFERTY, James resigneddirector
- 2022-06-30➖STUBBS, George David resigneddirector
- 2022-06-30🔓Charge satisfied #1
- 2022-04-27➖STUBBS, Rhona resignedsecretary
- 2019-09-01➕FLEMING, Sean Liam appointeddirector
- 2019-04-29➕HERD, Keith Baird appointeddirector
- 2019-04-29➕LAFFERTY, James appointeddirector
- 2018-01-12➖MCGILL, Alasdair Iain resigneddirector
- 2017-08-31➖CHAMBERS, Kelman resigneddirector
- 2015-04-13➕MCGILL, Alasdair Iain appointeddirector
- 2013-04-10➕CHAMBERS, Kelman appointeddirector
- 2009-02-27🔒Charge registered #1Lender: Clydesdale Bank PLC
Showing most recent 50 of 59 events
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 32 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2024-12-10
Group structure
Radiant Financial Group Uk Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Radiant Financial Group Uk Holdings Limited
Corporate parent · holds 75-100% shares
⬇
GEORGE STUBBS FINANCIAL SERVICES LIMITED
This company · SC150771
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Radiant Financial Group Uk Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 30/06/2022 |
1 historic (ceased) PSC
- Mr George David Stubbsceased 30/06/2022· 50-75% shares
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 →Similar companies
Active · Financial services · PH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CRIEFF FINANCIAL & MORTGAGE CENTRE LIMITED→ SC330821 · est 2007 | — | — | — | 300 | 18y | 82 | 67y |
| BLACKFORD FINANCIAL SOLUTIONS LIMITED→ SC324569 · est 2007 | — | — | — | 200 | 18y | 80 | 58y |
| BRAIDS BRAWEST LIMITED→ SC244281 · est 2003 | — | — | — | — | 23y | 80 | 61y |
| DUPPLIN INVESTMENTS LIMITED→ SC480480 · est 2014 | — | — | — | 0 | 11y | 80 | 59y |
| HERITABLE LIMITED→ SC237615 · est 2002 | — | — | — | — | 23y | 80 | 73y |
| KAIM INVESTMENT COMPANY LIMITED→ SC020977 · est 1939 | — | — | — | 2 | 86y | 80 | 88y |
| BQI GROUP LIMITED→ SC306285 · est 2006 · no financials extracted | — | — | — | — | 19y | 79 | 60y |
| FAIR CITY PROPERTY GROUP LIMITED→ SC689124 · est 2021 | — | — | — | 300 | 5y | 79 | 62y |
| DFS FINANCIAL CONSULTANCY LTD.→ SC504292 · est 2015 | — | — | — | 6 | 10y | 78 | 61y |
| MAGNUS MURRAY FAMILY SOLUTIONS LTD→ SC469908 · est 2014 | — | — | £88.1k | — | 12y | 78 | 58y |
| BON ACCORD BONDING COMPANY LIMITED→ SC028125 · est 1951 | — | — | £1.11M | — | 75y | 77 | 81y |
| GEORGE STUBBS INSURANCE SERVICES LIMITED→ SC177962 · est 1997 · no financials extracted | — | — | — | — | 28y | 77 | 60y |
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
Statusdissolved
Typeltd
Incorporated1994-05-09
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
Suite 6 South Inch Business Centre
Perth
PH2 8BW
Scotland
Filing status
Accounts
Next due: —
Last made up to: 2024-03-31
Confirmation statement
Next due: —
Last: 2023-08-29
Officers (0 active · 13 resigned)
EDWARDS, David→
Activedirector · ~60y · appointed 2023-04-13
View their other companies + combined net worth →
TAYLOR, Robert Walter Thomas Urry→
Activedirector · ~50y · appointed 2023-03-07
View their other companies + combined net worth →
STUBBS, Rhona→
Resignedsecretary · appointed 2007-10-01 · resigned 2022-04-27
CCW SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 1998-05-06 · resigned 2007-10-01
PAGAN MACBETH→
Resignedcorporate-secretary · appointed 1994-05-09 · resigned 1998-05-06
CHAMBERS, Kelman→
Resigneddirector · ~60y · appointed 2013-04-10 · resigned 2017-08-31
CLARKE, John Bernard→
Resigneddirector · ~71y · appointed 1994-05-09 · resigned 1994-08-05
COGMAN-HELLIER, Simon Mark→
Resigneddirector · ~64y · appointed 2022-06-30 · resigned 2022-08-05
FLEMING, Sean Liam→
Resigneddirector · ~37y · appointed 2019-09-01 · resigned 2022-06-30
HERD, Keith Baird→
Resigneddirector · ~71y · appointed 2019-04-29 · resigned 2022-06-30
KING, Anthony Robert→
Resigneddirector · ~51y · appointed 2022-08-05 · resigned 2023-04-13
LAFFERTY, James→
Resigneddirector · ~69y · appointed 2022-06-30 · resigned 2023-12-19
LAFFERTY, James→
Resigneddirector · ~69y · appointed 2019-04-29 · resigned 2022-06-30
MCGILL, Alasdair Iain→
Resigneddirector · ~57y · appointed 2015-04-13 · resigned 2018-01-12
STUBBS, George David→
Resigneddirector · ~61y · appointed 1994-08-05 · resigned 2022-06-30
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Investec Bank (As Security Agent) Investec Bank PLC (As Security Agent) | A registered charge | — | 10/02/2023 | 20/12/2023 | |
| satisfied | Investec Bank Investec Bank PLC | A registered charge | 1 property | 10/02/2023 | 20/12/2023 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 27/02/2009 | 30/06/2022 |
Recent filings (124 total)
gazette-dissolved-voluntary
gazette · GAZ2(A)
2024-12-10
change-person-director-company-with-change-date
officers · CH01
2024-11-21
gazette-notice-voluntary
gazette · GAZ1(A)
2024-09-24
dissolution-application-strike-off-company
dissolution · DS01
2024-09-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-17
memorandum-articles
incorporation · MA
2024-01-10
resolution
resolution · RESOLUTIONS
2024-01-03
termination-director-company-with-name-termination-date
officers · TM01
2023-12-22
mortgage-satisfy-charge-full
mortgage · MR04
2023-12-20
mortgage-satisfy-charge-full
mortgage · MR04
2023-12-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
change-person-director-company-with-change-date
officers · CH01
2023-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-08
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-05-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-25