GJF FINANCIAL CONSULTANTS LIMITED

🌿Early-stageactive
SC754874 · ltd · incorporated 2023-01-10
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£152.0k
book net assets
Opportunity
71/100
Strong
🔔
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.

Opportunity 71/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (3 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
19 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £151,955
Net assets shrinking
Down £569 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£152k
~ YoY
Current Assets
£157k
↓ 26% YoY
Current Liabilities
—
£0£42k£84k£127k£169k£211kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-06-302024-06-30
Total assets£152.0k£152.5k
Current assets£156.8k£211.0k
Net assets£152.0k£152.5k

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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-12-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-10-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-03-16
    📄
    capital-name-of-class-of-shares
    capital · SH08
  4. 2023-03-15
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  5. 2023-03-14
    📄
    memorandum-articles
    incorporation · MA
  6. 2023-03-14
    📄
    resolution
    resolution · RESOLUTIONS
  7. 2023-03-01
    📄
    capital-allotment-shares
    capital · SH01
  8. 2023-02-17
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  9. 2023-02-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2023-02-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2023-02-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  12. 2023-02-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2023-02-16
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2023-02-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2023-02-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2023-02-10
    ➕
    FARMER, Gillian Lesley appointed
    director
  17. 2023-02-10
    ➕
    FARMER, Gordon James appointed
    director
  18. 2023-02-10
    ➖
    FORBES, Neil David resigned
    director
  19. 2023-02-10
    ➖
    GARDNER, Ross Scott resigned
    director
  20. 2023-01-10
    🏢
    Company incorporated
    As GJF FINANCIAL CONSULTANTS LIMITED
  21. 2023-01-10
    ➕
    STRONACHS SECRETARIES LIMITED appointed
    corporate-secretary
  22. 2023-01-10
    ➕
    FORBES, Neil David appointed
    director
  23. 2023-01-10
    ➕
    GARDNER, Ross Scott appointed
    director
  24. 2023-01-10
    📄
    incorporation-company
    incorporation · NEWINC

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

36/100
Weak signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Gillian Lesley Farmer
Individual · British · DOB 01/1983 · age 43
25–50%
25–50%25-50% shares · 25-50% voting10/02/2023
Mr Gordon James Farmer
Individual · British · DOB 03/1981 · age 45
25–50%
25–50%25-50% shares · 25-50% voting10/02/2023
1 historic (ceased) PSC
  • Stronachs Nominees Limitedceased 10/02/2023· 75-100% shares · 75-100% voting · board control

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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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
UNIQUE SYSTEM (UK) LIMITED→
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£23.27M—380017y9565y
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SC273906 · est 2004
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——820021y8462y
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£13.65M—380015y8468y
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ACUMEN FINANCIAL PLANNING LIMITED→
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——£1.67M—21y8385y
ASHLEY PROPERTIES ABERDEEN LIMITED→
SC315836 · est 2007 · no financials extracted
————19y8378y
BUILDTALL LIMITED→
SC235986 · est 2002
——£4.39M—23y8359y
DRUMMUIR & BOTRIPHNIE COMMUNITY TRUST→
SC273043 · est 2004 · no financials extracted
————21y8367y
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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
Incorporated2023-01-10
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

28 Albyn Place
Aberdeen
AB10 1YL
United Kingdom

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-08-21
Last: 2025-08-07

Officers (3 active · 2 resigned)

STRONACHS SECRETARIES LIMITED→
corporate-secretary · appointed 2023-01-10
View their other companies + combined net worth →
Active
FARMER, Gillian Lesley→
director · ~43y · appointed 2023-02-10
View their other companies + combined net worth →
Active
FARMER, Gordon James→
director · ~45y · appointed 2023-02-10
View their other companies + combined net worth →
Active
FORBES, Neil David→
director · ~56y · appointed 2023-01-10 · resigned 2023-02-10
Resigned
GARDNER, Ross Scott→
director · ~49y · appointed 2023-01-10 · resigned 2023-02-10
Resigned

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

Recent filings (19 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-07
capital-name-of-class-of-shares
capital · SH08
2023-03-16
change-account-reference-date-company-current-extended
accounts · AA01
2023-03-15
memorandum-articles
incorporation · MA
2023-03-14
resolution
resolution · RESOLUTIONS
2023-03-14
capital-allotment-shares
capital · SH01
2023-03-01
certificate-change-of-name-company
change-of-name · CERTNM
2023-02-17
termination-director-company-with-name-termination-date
officers · TM01
2023-02-16
termination-director-company-with-name-termination-date
officers · TM01
2023-02-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-02-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-02-16