MCARTHUR SMITH FINANCIAL MANAGEMENT LTD

🌳Matureactive
SC221244 · ltd · incorporated 2001-07-16
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
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 61-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (55/100)

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
Confirmed no charges registered
85
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

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 (29 events)Click to expand
  1. 2025-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-01-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-12-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-01-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-03-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2017-03-14
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  12. 2016-12-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-01-12
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-07-20
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2014-12-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2003-12-24
    ➖
    BOWIE, Agnes Welsh resigned
    secretary
  17. 2003-12-24
    ➖
    BOWIE, Agnes Welsh resigned
    director
  18. 2003-12-24
    ➖
    BOWIE, Ian resigned
    director
  19. 2003-12-23
    ➕
    MCARTHUR, Kevan John appointed
    secretary
  20. 2003-12-23
    ➕
    MCARTHUR, Kevan John appointed
    director
  21. 2003-12-23
    ➕
    SMITH, Mark Andrew appointed
    director
  22. 2001-08-09
    ➕
    BOWIE, Agnes Welsh appointed
    secretary
  23. 2001-08-09
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  24. 2001-08-09
    ➕
    BOWIE, Agnes Welsh appointed
    director
  25. 2001-08-09
    ➕
    BOWIE, Ian appointed
    director
  26. 2001-08-09
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director
  27. 2001-07-16
    🏢
    Company incorporated
    As MCARTHUR SMITH FINANCIAL MANAGEMENT LTD
  28. 2001-07-16
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  29. 2001-07-16
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director

Owner dependency

91/100
Critical — business is the founder

The 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 "MCARTHUR" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Kevan John Mcarthur
Individual · British · DOB 09/1968 · age 58
25–50%
—25-50% shares06/04/2016
Mr Mark Andrew Smith
Individual · British · DOB 06/1965 · age 61
25–50%
—25-50% shares06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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.

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Company details

Statusactive
Typeltd
Incorporated2001-07-16
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Suite B, Logie Court
Stirling University Innovation Park
Stirling
FK9 4NF
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-27
Last: 2025-07-13

Officers (3 active · 5 resigned)

MCARTHUR, Kevan John→
secretary · appointed 2003-12-23
View their other companies + combined net worth →
Active
MCARTHUR, Kevan John→
director · ~58y · appointed 2003-12-23
View their other companies + combined net worth →
Active
SMITH, Mark Andrew→
director · ~61y · appointed 2003-12-23
View their other companies + combined net worth →
Active
BOWIE, Agnes Welsh→
secretary · appointed 2001-08-09 · resigned 2003-12-24
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2001-07-16 · resigned 2001-08-09
Resigned
BOWIE, Agnes Welsh→
director · ~79y · appointed 2001-08-09 · resigned 2003-12-24
Resigned
BOWIE, Ian→
director · ~78y · appointed 2001-08-09 · resigned 2003-12-24
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 2001-07-16 · resigned 2001-08-09
Resigned

Click a director name to see their full track record across all companies.

Recent filings (67 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-07-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-12-27