AB ASSOCIATES (LANARKSHIRE) LTD.
🌳Matureactive
SC501376 · ltd · incorporated 2015-03-24
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
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 75/100. 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).
Data confidence
Overall: medium (57/100)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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
90
Good data coverage for analysis.
Recent activity
Last 30 days
5
filings
- • 2 persons-with-significant-control
- • 2 officers
- • 1 confirmation-statement
Last 90 days
5
filings
- • 2 persons-with-significant-control
- • 2 officers
- • 1 confirmation-statement
Last 180 days
6
filings
- • 2 persons-with-significant-control
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2026-04-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-01📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-01📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-12-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-05-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-03-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-01📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-12-31📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-03-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-12-10📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-12-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-12-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-12-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-03-24🏢Company incorporatedAs AB ASSOCIATES (LANARKSHIRE) LTD.
- 2015-03-24➕MARTIN, Andrew Mcmahon appointeddirector
- 2015-03-24➕TONER, Brian appointeddirector
Owner dependency
63/100
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.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
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.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Mcmahon Martin Individual · British · DOB 04/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Brian Toner Individual · British · DOB 02/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 →Similar companies
Active · Financial services · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3 SIGMA FINANCIAL SOLUTIONS LTD→ SC797197 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AE FINANCIAL WEALTH LTD→ SC844405 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ANNIE DUNCAN LTD.→ SC289895 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956 · no financials extracted | — | — | — | — | 70y | — | — |
| ARROWHEAD FINANCIAL LTD→ SC702070 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AW MORTGAGE & PROTECT LTD→ SC729224 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| B G SCHOLEFIELD LTD→ SC881538 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BEN FINANCIAL SOLUTIONS LIMITED→ SC647788 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BRADLEY FINANCIAL PLANNING LTD→ SC573878 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CAPTURE CALEDONIA LTD→ SC389033 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CJ FINANCIAL MANAGEMENT LIMITED→ SC876542 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2015-03-24
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
2nd Floor (East) Belgrave Court
Rosehall Road
Bellshill
North Lanarkshire
ML4 3NR
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-07
Last: 2026-03-24
Officers (2 active · 0 resigned)
MARTIN, Andrew Mcmahon→
Activedirector · ~46y · appointed 2015-03-24
View their other companies + combined net worth →
TONER, Brian→
Activedirector · ~56y · appointed 2015-03-24
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (31 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-01
change-person-director-company-with-change-date
officers · CH01
2026-04-01
change-person-director-company-with-change-date
officers · CH01
2026-04-01
accounts-with-accounts-type-dormant
accounts · AA
2025-11-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-02
accounts-with-accounts-type-dormant
accounts · AA
2024-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-02
accounts-with-accounts-type-dormant
accounts · AA
2023-05-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-27
change-person-director-company-with-change-date
officers · CH01
2023-03-20
change-person-director-company-with-change-date
officers · CH01
2023-03-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-02-17
accounts-with-accounts-type-dormant
accounts · AA
2022-11-01