SMG FINANCIAL MANAGEMENT LIMITED
🌳Matureactive
SC254010 · ltd · incorporated 2003-08-08
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.
Why now
Window opening · high confidence
More negotiable than before — 2 signals weakening over the last 30 days.
- · Deal-killer verdict: workable → complicated
- · Hygiene score: 90 → 85
- · PSC count: 2 → 3
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 18.4y old — refinance window within 12 months
What changed my view
Last 30 days
Mixed signals in the last 30 days — 1 improved, 2 worsened.
- ↓Deal-killer verdict: workable → complicated
- ↓Hygiene score: 90 → 85
- ↑PSC count: 2 → 3
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2025
Net worth
£440.9k
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with exceptional profile and bankable structure.
Opportunity 83/100 (exceptional), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 18.4y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 18.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
97 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.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £440,873
Cash YoY
-12%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£152k
↓ 12% YoY
Net Worth
£441k
↑ 15% YoY
Current Assets
£527k
↑ 16% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Total assets | £443.5k | £440.8k |
| Current assets | £527.2k | £454.5k |
| Cash | £151.7k | £171.4k |
| Debtors | £375.5k | £283.1k |
| Net assets | £440.9k | £384.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
7
filings
- • 3 persons-with-significant-control
- • 3 officers
- • 1 address
Last 90 days
8
filings
- • 3 persons-with-significant-control
- • 3 officers
- • 1 address
Last 180 days
10
filings
- • 5 persons-with-significant-control
- • 3 officers
- • 1 address
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2026-07-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-07-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-07-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-07-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-07-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-07-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-07-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-07-07➕CHAPMAN, Gavin Paul appointeddirector
- 2026-07-07➕MCKIE, Iain James appointeddirector
- 2026-07-07➖MCCUBBIN, Blair resigneddirector
- 2026-03-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-03-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-20📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-16📄resolutionresolution · RESOLUTIONS
- 2025-07-16📄capital-name-of-class-of-sharescapital · SH08
- 2025-02-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-25📄resolutionresolution · RESOLUTIONS
- 2024-09-25📄capital-name-of-class-of-sharescapital · SH08
- 2024-02-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-02➕MCCUBBIN, Blair appointeddirector
- 2023-01-04📄capital-name-of-class-of-sharescapital · SH08
- 2022-12-30📄memorandum-articlesincorporation · MA
- 2022-12-30📄resolutionresolution · RESOLUTIONS
- 2016-06-01🔓Charge satisfied #1
- 2014-09-02➖MCGAUCHIE, Roslyn Jane resignedsecretary
- 2008-03-05➖MINTO, Paul resignedsecretary
- 2008-02-18🔒Charge registered #1Lender: Royal Bank of Scotland PLC
- 2008-01-02➕MCGAUCHIE, Roslyn Jane appointedsecretary
- 2003-08-08🏢Company incorporatedAs SMG FINANCIAL MANAGEMENT LIMITED
- 2003-08-08➕MCGAUCHIE, Shaun appointeddirector
- 2003-08-08➕MINTO, Paul appointedsecretary
- 2003-08-08➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2003-08-08➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Chase De Vere Ifa Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Chase De Vere Ifa Group Plc
Corporate parent · holds 75-100% shares · board control
⬇
SMG FINANCIAL MANAGEMENT LIMITED
This company · SC254010
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 |
|---|---|---|---|---|
Chase De Vere Ifa Group Plc Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 07/07/2026 |
2 historic (ceased) PSCs
- Mrs Roslyn Jane Mcgauchieceased 07/07/2026· 25-50% shares · 25-50% voting
- Mr Shaun Mcgauchieceased 07/07/2026· 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.
See pricing →Similar companies
Active · Financial services · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AMATI GLOBAL INVESTORS LIMITED→ SC199908 · est 1999 | £8.90M £6.47M–£11.33M | — | — | 2800 | 26y | 84 | 66y |
| CS MANAGERS LTD→ SC231678 · est 2002 | £1.50M £1.09M–£1.91M | — | — | 1200 | 24y | 86 | 77y |
| GBCP VII (GENERAL PARTNER) LIMITED→ SC253395 · est 2003 · no financials extracted | — | — | — | — | 22y | 83 | 62y |
| NOBLE GROSSART LIMITED→ SC046265 · est 1969 · no financials extracted | — | — | — | — | 57y | 83 | 72y |
| PAYPLAN (SCOTLAND) LIMITED→ SC400113 · est 2011 · no financials extracted | — | — | — | — | 15y | 83 | 61y |
| PREMIER COMMERCIAL LIMITED→ SC160330 · est 1995 | — | — | £282.5k | — | 30y | 83 | 61y |
| RIA CAPITAL MARKETS LIMITED→ SC226461 · est 2001 · no financials extracted | — | — | — | — | 24y | 83 | 58y |
| SCOTIA WEALTH MANAGEMENT LTD.→ SC267795 · est 2004 | — | — | — | 1300 | 22y | 83 | 58y |
| ALAN STEEL (ASSET MANAGEMENT) LIMITED→ SC058014 · est 1975 | — | — | — | 44 | 51y | 82 | 62y |
| ALEX HAMMOND-CHAMBERS & COMPANY→ SC126819 · est 1990 · no financials extracted | — | — | — | — | 35y | 82 | 84y |
| BANDRON LIMITED→ SC082385 · est 1983 | — | — | — | 400 | 43y | 82 | 71y |
| FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→ SC347357 · est 2008 | — | — | £50.9k | — | 17y | 82 | 67y |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2003-08-08
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
55 Melville Street
Edinburgh
EH3 7HL
Scotland
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2027-06-19
Last: 2026-06-05
Officers (3 active · 4 resigned)
CHAPMAN, Gavin Paul→
Activedirector · ~58y · appointed 2026-07-07
View their other companies + combined net worth →
MCGAUCHIE, Shaun→
Activedirector · ~62y · appointed 2003-08-08
View their other companies + combined net worth →
MCKIE, Iain James→
Activedirector · ~56y · appointed 2026-07-07
View their other companies + combined net worth →
MCGAUCHIE, Roslyn Jane→
Resignedsecretary · appointed 2008-01-02 · resigned 2014-09-02
MINTO, Paul→
Resignedsecretary · appointed 2003-08-08 · resigned 2008-03-05
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-08-08 · resigned 2003-08-08
MCCUBBIN, Blair→
Resigneddirector · ~36y · appointed 2023-03-02 · resigned 2026-07-07
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 18/02/2008 | 01/06/2016 |
Recent filings (97 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-07-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-07-08
appoint-person-director-company-with-name-date
officers · AP01
2026-07-08
appoint-person-director-company-with-name-date
officers · AP01
2026-07-08
termination-director-company-with-name-termination-date
officers · TM01
2026-07-08
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-07-08
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-07-08
confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-20
change-person-director-company-with-change-date
officers · CH01
2025-08-20
resolution
resolution · RESOLUTIONS
2025-07-16
capital-name-of-class-of-shares
capital · SH08
2025-07-16