J M TAYLOR FINANCIAL SERVICES LIMITED

🌳Matureactive
SC352131 · ltd · incorporated 2008-12-04
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 May 2024
Net worth
£1.71M
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (81/100)

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
Confirmed no charges registered
85
Directors & officers
7 officers (4 active, 7 linked, 7 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,709,348

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1.7m
Net Worth
£1.7m
Current Assets
£2.1m
Current Liabilities
—
£0£421k£842k£1.3m£1.7m£2.1mMay 2023May 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-05-312023-05-31
Total assets£1.71M—
Current assets£2.10M—
Cash£1.75M—
Debtors£358.9k—
Net assets£1.71M—

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
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-02-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-02-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-03-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-02-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-10-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2019-09-25
    ➖
    MIDDLETON, Scott Alan resigned
    director
  10. 2018-12-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-09-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2018-05-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2018-04-30
    ➕
    CHALMERS, Robert Charles appointed
    director
  14. 2018-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-03-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2017-02-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2016-02-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2015-09-30
    ➖
    BABER, Wayne resigned
    director
  19. 2015-06-01
    ➕
    CREIGHTON, Kelly Forrest appointed
    director
  20. 2015-06-01
    ➖
    CHALMERS, Robert Charles resigned
    director
  21. 2015-06-01
    ➕
    MIDDLETON, Scott Alan appointed
    director
  22. 2012-06-01
    ➕
    BABER, Wayne appointed
    director
  23. 2008-12-04
    🏢
    Company incorporated
    As J M TAYLOR FINANCIAL SERVICES LIMITED
  24. 2008-12-04
    ➕
    BENSON, Alexander Edward appointed
    director
  25. 2008-12-04
    ➕
    CRIGHTON, Gail Doreen appointed
    director
  26. 2008-12-04
    ➕
    CHALMERS, Robert Charles appointed
    director

Owner dependency

65/100
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 17 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

73/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 17 years.
  • secondaryStable-but-static management: Company is 17 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

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Ms Gail Doreen Crighton
Individual · British · DOB 07/1967 · age 59
25–50%
—25-50% shares06/04/2016
Mr Robert Charles Chalmers
Individual · British · DOB 08/1966 · age 60
25–50%
—25-50% shares06/04/2016
Mr Alexander Edward Benson
Individual · British · DOB 04/1958 · age 68
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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MILLER & CO. INVESTMENT MANAGEMENT LIMITED→
SC143600 · est 1993
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——£2.38M—18y8369y
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———30025y8363y
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———110015y8272y
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——£233.4k—38y8259y
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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
Incorporated2008-12-04
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Citygate Blackburn Business Park, Woodburn Road
Blackburn
Aberdeen
AB21 0PS
Scotland

Filing status

Accounts
Next due: 2026-05-31
Last made up to: 2024-05-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04

Officers (4 active · 3 resigned)

BENSON, Alexander Edward→
director · ~68y · appointed 2008-12-04
View their other companies + combined net worth →
Active
CHALMERS, Robert Charles→
director · ~60y · appointed 2018-04-30
View their other companies + combined net worth →
Active
CREIGHTON, Kelly Forrest→
director · ~51y · appointed 2015-06-01
View their other companies + combined net worth →
Active
CRIGHTON, Gail Doreen→
director · ~59y · appointed 2008-12-04
View their other companies + combined net worth →
Active
BABER, Wayne→
director · ~56y · appointed 2012-06-01 · resigned 2015-09-30
Resigned
CHALMERS, Robert Charles→
director · ~60y · appointed 2008-12-04 · resigned 2015-06-01
Resigned
MIDDLETON, Scott Alan→
director · ~57y · appointed 2015-06-01 · resigned 2019-09-25
Resigned

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

Recent filings (49 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-03
change-person-director-company-with-change-date
officers · CH01
2026-02-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-17
termination-director-company-with-name-termination-date
officers · TM01
2019-10-07