JUST FINANCIAL GROUP LTD

🌳Matureactive

SC524886 · ltd · incorporated 2016-01-22

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

—

year to Jan 2025

Net worth

£396.7k

book net assets

Opportunity

73/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (81/100)

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

5 officers (5 active, 5 linked, 4 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

10 connected companies via shared directors

Filing history

52 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

73/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £396,663

Cash YoY

+31%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£412k

↑ 31% YoY

Net Worth

£397k

↑ 23% YoY

Current Assets

£442k

↑ 32% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-01-31	2024-01-31
Total assets	£409.7k	£331.7k
Current assets	£442.1k	£336.1k
Cash	£412.2k	£314.1k
Debtors	£6.2k	—
Net assets	£396.7k	£321.3k

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 officers

Last 90 days

filings

• 5 officers
• 1 address

Last 180 days

filings

• 5 officers
• 1 address
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2026-04-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-03-18
➕
ARMSTRONG, Nicole appointed
director
2026-03-04
📄
change-person-secretary-company-with-change-date
officers · CH03
2026-03-04
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-04
📄
change-person-director-company-with-change-date
officers · CH01
2026-03-04
📄
change-person-director-company-with-change-date
officers · CH01
2026-03-04
📄
change-person-director-company-with-change-date
officers · CH01
2025-10-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-22
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-22
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-22
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-08-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-29
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-29
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-07-20
📄
capital-alter-shares-subdivision
capital · SH02
2022-10-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-21
📄
change-person-director-company-with-change-date
officers · CH01
2022-01-21
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-10-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-04-26
➕
PARPIA, Al-Karim Sarfaraz appointed
director
2016-01-22
🏢
Company incorporated
As JUST FINANCIAL GROUP LTD
2016-01-22
➕
CHANDAN, Dhawal Vasant appointed
secretary
2016-01-22
➕
CHANDAN, Dhawal Vasant appointed
director
2016-01-22
➕
WATT, Gary Anthony appointed
director

Owner dependency

40/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.

Succession & seller-readiness

35/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

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

Just Financial Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Just Financial Holdings Ltd

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

JUST FINANCIAL GROUP LTD

This company · SC524886

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
Just Financial Holdings Ltd Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	25/11/2023

3 historic (ceased) PSCs

Mr Al-Karim Sarfaraz Parpiaceased 25/11/2023· 50-75% shares · 50-75% voting
Mr Dhawal Vasant Chandanceased 25/11/2023· 25-50% shares · 25-50% voting
Mr Gary Anthony Wattceased 16/08/2023· 25-50% shares · 25-50% voting

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 · G postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CGP ENTERPRISES LIMITED→ SC638364 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CINNAMON GP4 LIMITED→ SC581651 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
CITY EQUITY LONG TERM SOLUTIONS LTD→ SC694474 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
CITYPOINT WEALTH LIMITED→ SC055597 · est 1974 · no financials extracted	—	—	—	—	51y	—	—
CK HOME HUB FINANCIAL SERVICES LIMITED→ SC629293 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CLAIMS EQUILIBRIUM CLUB LIMITED→ SC245786 · est 2003 · no financials extracted	—	—	—	—	23y	—	—
CLYDE BERGEMANN PENSION (TRUSTEES) LIMITED→ SC222231 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
CLYDE BERGEMANN POWER GROUP INTERNATIONAL LIMITED→ SC188877 · est 1998 · no financials extracted	—	—	—	—	27y	—	—
CLYDE BROKERS LIMITED→ SC419422 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
CLYDESDALE BANK PLC→ SC001111 · est 1882 · no financials extracted	—	—	—	—	144y	—	—
CONNECTIONS FINANCE LTD→ SC842423 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
CONTRACT MORTGAGES LTD→ SC465654 · est 2013 · no financials extracted	—	—	—	—	12y	—	—

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

Incorporated2016-01-22

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

200 Bath Street

2nd Floor

Glasgow

G2 4HG

Scotland

Filing status

Accounts

Next due: 2026-10-31

Last made up to: 2025-01-31

Confirmation statement

Next due: 2026-12-04

Last: 2025-11-20