J & M STUART & SON LTD

💤Zombieactive
04746948 · ltd · incorporated 2003-04-28
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£377.4k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 10910
Sector: Manufacturing
Investor take
Pursue
Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 21.5y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 21.5 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
73 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £377,355

Key financials

1 year extracted from filed iXBRL accounts
Cash
£25k
Net Worth
£377k
Current Assets
£1.1m
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-31
Total assets£1.25M
Current assets£1.10M
Cash£25.0k
Debtors£964.4k
Net assets£377.4k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2026-03-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-11-10
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  3. 2025-10-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-03-19
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  5. 2025-03-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-08-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-05-25
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  8. 2024-04-16
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  9. 2024-03-26
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  10. 2023-10-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2023-10-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  12. 2023-10-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2023-09-04
    ➖
    STUART, Margery Helen resigned
    director
  14. 2023-07-05
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  15. 2023-07-04
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  16. 2023-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2023-02-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2023-01-31
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  19. 2022-05-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2022-04-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2022-04-05
    🔒
    Charge registered #2
    Lender: Oxbury Bank PLC
  22. 2008-12-07
    ➖
    STUART, John resigned
    director
  23. 2005-02-04
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  24. 2003-05-01
    ➕
    STUART, Tracey Elaine appointed
    secretary
  25. 2003-05-01
    ➕
    STUART, James Ian appointed
    director
  26. 2003-05-01
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  27. 2003-05-01
    ➕
    STUART, John appointed
    director
  28. 2003-05-01
    ➕
    STUART, Margery Helen appointed
    director
  29. 2003-05-01
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  30. 2003-04-28
    🏢
    Company incorporated
    As J & M STUART & SON LTD
  31. 2003-04-28
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  32. 2003-04-28
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder name in company name: Company name contains director surname "STUART" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

95/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr James Ian Stuart
Individual · British · DOB 04/1962 · age 64
50–75%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016
Mrs Tracey Elaine Stuart
Individual · British · DOB 06/1963 · age 63
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mrs Margery Helen Stuartceased 04/09/2023· 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 →

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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
FYLDE FRESH AND FABULOUS LIMITED→
05525354 · est 2005
£10.74M
£7.92M–£13.57M
——8220y8572y
CLAYTON PARK BAKERY LIMITED→
04017274 · est 2000
£4.88M
£3.60M–£6.16M
——22426y8484y
FREDERICK'S ICE CREAM LIMITED→
04805086 · est 2003
——£398.5k—22y8378y
BUTLER'S FARMHOUSE CHEESES (HOLDINGS) LIMITED→
03660807 · est 1998 · no financials extracted
————27y8266y
BUTLERS FARMHOUSE CHEESES LIMITED→
03660805 · est 1998 · no financials extracted
————27y8266y
HOGARTHS LTD.→
03610520 · est 1998
——£113.8k—27y8263y
PROCTERS CHEESES LIMITED→
02785393 · est 1993
———1133y8285y
SFC (WHOLESALE) LIMITED→
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———30022y8278y
SOUTHPORT BACON CO. LIMITED→
01724254 · est 1983
———10043y8264y
STEMSON MCKEOWN DISTILLERY LIMITED→
12541077 · est 2020 · no financials extracted
————6y——
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12929169 · est 2020 · no financials extracted
————5y——
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————88y——
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
Incorporated2003-04-28
Jurisdictionengland-wales
Primary SIC10910 — SIC 10910

Registered office

C/O Rfm Fylde Limited, Unit 1d, Ground Floor, River View,
96 High Street, Garstang
Preston
Lancashire
PR3 1WZ
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-05-14
Last: 2026-04-30

Officers (2 active · 4 resigned)

STUART, Tracey Elaine→
secretary · appointed 2003-05-01
View their other companies + combined net worth →
Active
STUART, James Ian→
director · ~64y · appointed 2003-05-01
View their other companies + combined net worth →
Active
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2003-04-28 · resigned 2003-05-01
Resigned
STUART, John→
director · ~93y · appointed 2003-05-01 · resigned 2008-12-07
Resigned
STUART, Margery Helen→
director · ~91y · appointed 2003-05-01 · resigned 2023-09-04
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2003-04-28 · resigned 2003-05-01
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Oxbury Bank
Oxbury Bank PLC
A registered charge—05/04/2022—
outstanding
National Westminster Bank
National Westminster Bank PLC
Debenture1 property04/02/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (73 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-24
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-11-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-16
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-09
gazette-filings-brought-up-to-date
gazette · DISS40
2024-05-25
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-23
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2024-04-16
gazette-notice-compulsory
gazette · GAZ1
2024-03-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-10-03
termination-director-company-with-name-termination-date
officers · TM01
2023-10-03