R & G FINANCIAL SERVICES LTD

🌳Matureactive
SC238567 · ltd · incorporated 2002-10-23
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 12.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 70). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 12.3y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 12.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: low (49/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (5 active, 7 linked, 4 with DOB)
81
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
6 connected companies via shared directors
63
Filing history
63 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
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 (26 events)Click to expand
  1. 2025-12-19
    📄
    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. 2022-10-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-09-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-03-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-11-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2017-11-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2016-11-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2015-10-29
    📄
    accounts-with-accounts-type-partial-exemption
    accounts · AA
  12. 2015-10-16
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2014-12-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2014-10-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2014-02-24
    📄
    mortgage-create-with-deed-with-charge-number
    mortgage · MR01
  16. 2014-02-07
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  17. 2002-10-23
    🏢
    Company incorporated
    As R & G FINANCIAL SERVICES LTD
  18. 2002-10-23
    ➕
    GRAHAM, Roger Gordon appointed
    secretary
  19. 2002-10-23
    ➕
    GRAHAM, Linda appointed
    director
  20. 2002-10-23
    ➕
    GRAHAM, Roger Gordon appointed
    director
  21. 2002-10-23
    ➕
    MCNULTY, Ann Therese appointed
    director
  22. 2002-10-23
    ➕
    MCNULTY, Gerard Martin appointed
    director
  23. 2002-10-23
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  24. 2002-10-23
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  25. 2002-10-23
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  26. 2002-10-23
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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.)
🔒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

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
Incorporated2002-10-23
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

57 Townhead
Kirkintilloch
Glasgow
G66 1NN

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-22
Last: 2025-10-08

Officers (5 active · 2 resigned)

GRAHAM, Roger Gordon→
secretary · appointed 2002-10-23
View their other companies + combined net worth →
Active
GRAHAM, Linda→
director · ~65y · appointed 2002-10-23
View their other companies + combined net worth →
Active
GRAHAM, Roger Gordon→
director · ~70y · appointed 2002-10-23
View their other companies + combined net worth →
Active
MCNULTY, Ann Therese→
director · ~62y · appointed 2002-10-23
View their other companies + combined net worth →
Active
MCNULTY, Gerard Martin→
director · ~63y · appointed 2002-10-23
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2002-10-23 · resigned 2002-10-23
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2002-10-23 · resigned 2002-10-23
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property07/02/2014—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (63 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-29