HARPER STAIRMAND LIMITED
🌳Matureactive
SC496388 · ltd · incorporated 2015-01-30
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 6.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), 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 (65/100).
🏦
Refinance opportunity
1 live charge · oldest 6.1y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 6.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (58/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 5 with DOB)
87
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
66 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.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
5
filings
- • 2 accounts
- • 2 other
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-01-06📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-01-06📄legacyaccounts · PARENT_ACC
- 2026-01-06📄legacyother · GUARANTEE2
- 2026-01-06📄legacyother · AGREEMENT2
- 2025-04-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-08🔓Charge satisfied #1
- 2024-12-18📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-12-18📄legacyaccounts · PARENT_ACC
- 2024-12-18📄legacyother · GUARANTEE2
- 2024-12-18📄legacyother · AGREEMENT2
- 2024-03-06📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-01-13📄capital-name-of-class-of-sharescapital · SH08
- 2024-01-10📄memorandum-articlesincorporation · MA
- 2024-01-10📄resolutionresolution · RESOLUTIONS
- 2023-12-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-12-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-12-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-18➕FLEMING, Sean Liam appointeddirector
- 2023-12-18➖STAIRMAND, Kevin resigneddirector
- 2023-11-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-27➖STUBBS, George David resigneddirector
- 2020-03-02🔒Charge registered #1Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
- 2017-11-28➖MCGILL, Alasdair resignedsecretary
- 2017-11-28➖MCGILL, Alasdair Iain resigneddirector
- 2015-04-13➕HARPER, Graeme appointeddirector
- 2015-04-13➕MCGILL, Alasdair Iain appointeddirector
- 2015-04-13➕STAIRMAND, Kevin appointeddirector
- 2015-01-30🏢Company incorporatedAs HARPER STAIRMAND LIMITED
- 2015-01-30➕MCGILL, Alasdair appointedsecretary
- 2015-01-30➕STUBBS, George David appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial 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.
- +Founder name in company name: Company name contains director surname "HARPER" — strong identity link between founder and business.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
Jmg Gi2 Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Jmg Gi2 Limited
Corporate parent · holds 75-100% shares
⬇
HARPER STAIRMAND LIMITED
This company · SC496388
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 |
|---|---|---|---|---|
Jmg Gi2 Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 18/12/2023 |
3 historic (ceased) PSCs
- Mr Graeme Harperceased 18/12/2023· 25-50% shares · 25-50% voting
- Mr Kevin Stairmandceased 18/12/2023· 25-50% shares · 25-50% voting
- Mr George David Stubbsceased 07/02/2023· significant influence
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
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|---|---|---|---|---|---|---|---|
| CRIEFF FINANCIAL & MORTGAGE CENTRE LIMITED→ SC330821 · est 2007 | — | — | — | 300 | 18y | 82 | 67y |
| BLACKFORD FINANCIAL SOLUTIONS LIMITED→ SC324569 · est 2007 | — | — | — | 200 | 18y | 80 | 58y |
| BRAIDS BRAWEST LIMITED→ SC244281 · est 2003 | — | — | — | — | 23y | 80 | 61y |
| DUPPLIN INVESTMENTS LIMITED→ SC480480 · est 2014 | — | — | — | 0 | 11y | 80 | 59y |
| HERITABLE LIMITED→ SC237615 · est 2002 | — | — | — | — | 23y | 80 | 73y |
| KAIM INVESTMENT COMPANY LIMITED→ SC020977 · est 1939 | — | — | — | 2 | 86y | 80 | 88y |
| BQI GROUP LIMITED→ SC306285 · est 2006 · no financials extracted | — | — | — | — | 19y | 79 | 60y |
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| DFS FINANCIAL CONSULTANCY LTD.→ SC504292 · est 2015 | — | — | — | 6 | 10y | 78 | 61y |
| MAGNUS MURRAY FAMILY SOLUTIONS LTD→ SC469908 · est 2014 | — | — | £88.1k | — | 12y | 78 | 58y |
| BON ACCORD BONDING COMPANY LIMITED→ SC028125 · est 1951 | — | — | £1.11M | — | 75y | 77 | 81y |
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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
Incorporated2015-01-30
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
South Inch Business Centre
Shore Road
Perth
Perthshire
PH2 8BW
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-13
Last: 2026-01-30
Officers (2 active · 4 resigned)
FLEMING, Sean Liam→
Activedirector · ~37y · appointed 2023-12-18
View their other companies + combined net worth →
HARPER, Graeme→
Activedirector · ~56y · appointed 2015-04-13
View their other companies + combined net worth →
MCGILL, Alasdair→
Resignedsecretary · appointed 2015-01-30 · resigned 2017-11-28
MCGILL, Alasdair Iain→
Resigneddirector · ~57y · appointed 2015-04-13 · resigned 2017-11-28
STAIRMAND, Kevin→
Resigneddirector · ~43y · appointed 2015-04-13 · resigned 2023-12-18
STUBBS, George David→
Resigneddirector · ~61y · appointed 2015-01-30 · resigned 2022-06-27
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 | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111) | A registered charge | — | 02/03/2020 | 08/04/2025 |
Recent filings (66 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-05
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-06
legacy
accounts · PARENT_ACC
2026-01-06
legacy
other · GUARANTEE2
2026-01-06
legacy
other · AGREEMENT2
2026-01-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-03
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-12-18
legacy
accounts · PARENT_ACC
2024-12-18
legacy
other · GUARANTEE2
2024-12-18
legacy
other · AGREEMENT2
2024-12-18
change-account-reference-date-company-current-extended
accounts · AA01
2024-03-06
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-12
capital-name-of-class-of-shares
capital · SH08
2024-01-13
memorandum-articles
incorporation · MA
2024-01-10