AXIS FINANCE LIMITED

🌳Matureactive
SC433953 · ltd · incorporated 2012-10-03
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
79/100
Strong
🔔
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What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 84-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 84). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (61/100)

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, 7 with DOB)
88
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
21 connected companies via shared directors
90
Filing history
52 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-03-20
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2024-11-12
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2024-01-10
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  4. 2022-11-17
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2022-11-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2021-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-03-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-03-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-04-13
    ➕
    GREEN, David Alexander Skinner appointed
    director
  12. 2017-04-13
    ➖
    GROAT, Susan Elizabeth resigned
    director
  13. 2017-04-13
    ➖
    ROSS, Hamish resigned
    director
  14. 2017-04-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2017-04-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2017-04-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2017-03-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2016-04-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2015-05-14
    ➖
    GILLIES, Ramsay resigned
    director
  20. 2015-05-14
    ➕
    GROAT, Susan Elizabeth appointed
    director
  21. 2012-11-23
    ➕
    DUNCAN, Alfred John appointed
    director
  22. 2012-11-23
    ➕
    O'HARA, William Clive appointed
    director
  23. 2012-11-23
    ➖
    DM COMPANY SERVICES LIMITED resigned
    corporate-secretary
  24. 2012-11-23
    ➖
    GILCHRIST, Ewan Caldwell resigned
    director
  25. 2012-11-23
    ➕
    GILLIES, Ramsay appointed
    director
  26. 2012-11-23
    ➕
    ROSS, Hamish appointed
    director
  27. 2012-10-03
    🏢
    Company incorporated
    As AXIS FINANCE LIMITED
  28. 2012-10-03
    ➕
    DM COMPANY SERVICES LIMITED appointed
    corporate-secretary
  29. 2012-10-03
    ➕
    GILCHRIST, Ewan Caldwell 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
  • +Founder age: Director aged approximately 84 — 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 70+: Senior director is approximately 84 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 13 years.
  • 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.)

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️
Prem Universal Llp
Corporate parent · holds 25-50% shares
significant stake
🏛️
Raemoir Properties Limited
Corporate parent · holds 25-50% shares
significant stake
⬇
AXIS FINANCE LIMITED
This company · SC433953

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Prem Universal Llp
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Raemoir Properties Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

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
Incorporated2012-10-03
Jurisdictionscotland
Primary SIC64929 — Other credit granting n.e.c.

Registered office

166 C/O Dm Mcnaught
166 Buchanan Street
Glasgow
G1 2LS
Scotland

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-10-17
Last: 2025-10-03

Officers (3 active · 5 resigned)

DUNCAN, Alfred John→
director · ~84y · appointed 2012-11-23
View their other companies + combined net worth →
Active
GREEN, David Alexander Skinner→
director · ~59y · appointed 2017-04-13
View their other companies + combined net worth →
Active
O'HARA, William Clive→
director · ~74y · appointed 2012-11-23
View their other companies + combined net worth →
Active
DM COMPANY SERVICES LIMITED→
corporate-secretary · appointed 2012-10-03 · resigned 2012-11-23
Resigned
GILCHRIST, Ewan Caldwell→
director · ~57y · appointed 2012-10-03 · resigned 2012-11-23
Resigned
GILLIES, Ramsay→
director · ~71y · appointed 2012-11-23 · resigned 2015-05-14
Resigned
GROAT, Susan Elizabeth→
director · ~57y · appointed 2015-05-14 · resigned 2017-04-13
Resigned
ROSS, Hamish→
director · ~68y · appointed 2012-11-23 · resigned 2017-04-13
Resigned

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

Recent filings (52 total)

accounts-with-accounts-type-dormant
accounts · AA
2026-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-16
accounts-with-accounts-type-dormant
accounts · AA
2024-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-03
accounts-with-accounts-type-dormant
accounts · AA
2024-01-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-15
accounts-with-accounts-type-dormant
accounts · AA
2022-11-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-06