BRAXFIELD FINANCIAL SERVICES LTD

🌳Matureactive
SC473988 · ltd · incorporated 2014-04-01
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 9.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£51.8k
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 9.3y

85/100
ready

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

  • · Oldest live charge is 9.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (73/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
32 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £51,753

Key financials

1 year extracted from filed iXBRL accounts
Cash
£93k
Net Worth
£52k
Current Assets
£117k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-30
Total assets£52.6k
Current assets£117.3k
Cash£93.5k
Debtors£23.8k
Net assets£51.8k

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
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-11-27
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  2. 2025-06-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-07-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-08-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-04-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2023-04-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2023-04-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-04-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2023-04-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2023-04-28
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2023-04-04
    ➖
    DUNCAN, Karen resigned
    director
  12. 2023-04-04
    ➖
    DUNCAN, Lindsay Edward resigned
    director
  13. 2022-10-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2021-10-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-10-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-09-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2017-08-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2017-01-20
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  20. 2014-04-01
    🏢
    Company incorporated
    As BRAXFIELD FINANCIAL SERVICES LTD
  21. 2014-04-01
    ➕
    MCILVANEY, John Mcdougall appointed
    director
  22. 2014-04-01
    ➕
    MCILVANEY, Mandy appointed
    director
  23. 2014-04-01
    ➕
    DUNCAN, Karen appointed
    director
  24. 2014-04-01
    ➕
    DUNCAN, Lindsay Edward appointed
    director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 12 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.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
John Mcdougall Mcilvaney
Individual · British · DOB 12/1971 · age 55
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • Lindsay Edward Duncanceased 04/04/2023· 25-50% shares

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2014-04-01
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

13 Hope Street
Lanark
ML11 7NL

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-04-15
Last: 2026-04-01

Officers (2 active · 2 resigned)

MCILVANEY, John Mcdougall→
director · ~55y · appointed 2014-04-01
View their other companies + combined net worth →
Active
MCILVANEY, Mandy→
director · ~54y · appointed 2014-04-01
View their other companies + combined net worth →
Active
DUNCAN, Karen→
director · ~64y · appointed 2014-04-01 · resigned 2023-04-04
Resigned
DUNCAN, Lindsay Edward→
director · ~63y · appointed 2014-04-01 · resigned 2023-04-04
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
The Royal Bank of Scotland PLC
A registered charge—20/01/2017—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (32 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-13
change-account-reference-date-company-current-shortened
accounts · AA01
2025-11-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-04-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-04-28
change-person-director-company-with-change-date
officers · CH01
2023-04-28
termination-director-company-with-name-termination-date
officers · TM01
2023-04-28
termination-director-company-with-name-termination-date
officers · TM01
2023-04-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-03