J M FINANCIAL SECURITIES LIMITED

🌳Matureactive
04457252 · ltd · incorporated 2002-06-10
Investment thesis
Unencumbered property vehicle — clean asset-backed target with refinance headroom.
Why interesting: Property-holding entity with no live charges; straightforward asset-backed case.
Why risky: Values depend on title and valuation; property-specific market exposure.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£20.7k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65110Life insurance
  • 68100Buying and selling of own real estate
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Asset-holding vehicle with a 72-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 72). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (76/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 4 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
4 officers (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
58 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £20,658
Net assets shrinking
Down £13,270 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£21k
↓ 39% YoY
Current Assets
£55k
↑ 79% YoY
Current Liabilities
—
£0£11k£22k£33k£44k£55kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-052024-04-05
Total assets£155.3k£131.9k
Current assets£54.7k£30.6k
Net assets£20.7k£33.9k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2025-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-01-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-01-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-02
    ➕
    MISTRY, Ushaben appointed
    director
  5. 2023-06-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2023-06-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2022-12-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-01-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-01-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-12-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2016-12-04
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-01-02
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-07-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2002-06-10
    🏢
    Company incorporated
    As J M FINANCIAL SECURITIES LIMITED
  17. 2002-06-10
    ➕
    MISTRY, Ushaben appointed
    secretary
  18. 2002-06-10
    ➕
    MISTRY, Jashwantrai appointed
    director
  19. 2002-06-10
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  20. 2002-06-10
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 72 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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
NameSharesVoting rightsNature of controlNotified
Mr Jashwantrai Mistry
Individual · British · DOB 05/1954 · age 72
——sig. influencesignificant influence12/07/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2002-06-10
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

21 Newhall Park Drive
Bradford
West Yorkshire
BD5 8BR

Filing status

Accounts
Next due: 2027-01-05
Last made up to: 2025-04-05
Confirmation statement
Next due: 2027-07-15
Last: 2026-07-01

Officers (3 active · 1 resigned)

MISTRY, Ushaben→
secretary · appointed 2002-06-10
View their other companies + combined net worth →
Active
MISTRY, Jashwantrai→
director · ~72y · appointed 2002-06-10
View their other companies + combined net worth →
Active
MISTRY, Ushaben→
director · ~68y · appointed 2023-06-02
View their other companies + combined net worth →
Active
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2002-06-10 · resigned 2002-06-10
Resigned

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

Recent filings (58 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-06
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-05
appoint-person-director-company-with-name-date
officers · AP01
2023-06-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-06-02
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-02
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-02