BESPOKE HOME FINANCE LTD

💤Zombieactive

SC493767 · ltd · incorporated 2014-12-19

Investment thesis

Zombie company — trading but stalled; unlikely mover.

Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.

Why risky: No growth signal; thin margin for error on price.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2025

Net worth

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Activities of mortgage finance companies

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (80/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

1 officers (1 active, 1 linked, 1 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

2 connected companies via shared directors

Filing history

29 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-12-31	2024-12-31
Average employees	1	100

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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (17 events)Click to expand

2026-03-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
📄
change-person-director-company-with-change-date
officers · CH01
2023-08-23
📄
change-person-director-company-with-change-date
officers · CH01
2023-08-23
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-05-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-09
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-06-01
📄
resolution
resolution · RESOLUTIONS
2020-02-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-03-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-04-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-04-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2014-12-19
🏢
Company incorporated
As BESPOKE HOME FINANCE LTD
2014-12-19
➕
MCQUISTIN, James Marshall appointed
director

Owner dependency

88/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Sole director: Only one active director — all governance concentrated on one person.
+Senior director age: Director aged approximately 60 — approaching natural succession window.
+No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

60/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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 · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr James Marshall Mcquistin Individual · British · DOB 08/1966 · age 60	75–100%	75–100%	75-100% shares · 75-100% voting	30/06/2016

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 →

Similar companies

Active · Financial services · DG postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
DALBEATTIE FINANCE COMPANY LIMITED→ SC031300 · est 1956 · no financials extracted	—	—	—	—	70y	82	65y
ANNANDALE TRUSTEES LIMITED→ SC155060 · est 1994	—	—	£1.1k	—	31y	79	65y
CARSPHAIRN RENEWABLE ENERGY FUND LIMITED→ SC359237 · est 2009	—	—	—	0	16y	79	82y
ARLA FOODS GP LIMITED→ SC550037 · est 2016 · no financials extracted	—	—	—	—	9y	77	64y
ALASTAIR PATERSON LIMITED→ SC867953 · est 2025 · no financials extracted	—	—	—	—	—	76	74y
BORDER FINANCE LIMITED→ SC366555 · est 2009	—	—	£4.98M	—	16y	76	54y
CJJ RASCAL LTD→ SC725638 · est 2022	—	—	£2.7k	—	4y	76	65y
DALLING WEALTH MANAGEMENT LIMITED→ SC612175 · est 2018	—	—	£73.1k	—	7y	76	60y
CCRS BROKERS LIMITED→ SC345403 · est 2008	—	—	£60.0k	—	17y	75	57y
BITHELL ASSET FINANCE SOLUTIONS LTD→ SC482478 · est 2014	—	—	—	2	11y	74	40y
BITHELL DAVIES FUNDING SOLUTIONS LIMITED→ SC816768 · est 2024	—	—	—	3	1y	71	41y
CORNERSTONES PROPERTY LTD→ SC825182 · est 2024 · no financials extracted	—	—	—	—	1y	—	—

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

Incorporated2014-12-19

Jurisdictionscotland

Primary SIC64922 — Activities of mortgage finance companies

Registered office

Challoch Inn Bridge Of Aldouran

Leswalt

Stranraer

DG9 0LJ

United Kingdom

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-01-02

Last: 2025-12-19

Officers (1 active · 0 resigned)

MCQUISTIN, James Marshall→

director · ~60y · appointed 2014-12-19

View their other companies + combined net worth →

Active

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

Recent filings (29 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-03-26

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-12-22

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-05-15

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-12-19

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-03-22

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-12-19

change-person-director-company-with-change-date

officers · CH01

2023-12-19

change-person-director-company-with-change-date

officers · CH01

2023-08-23

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2023-08-23

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-05-26

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-12-21

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-04-11

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-12-20

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-07-27

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2021-04-09