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.
🔒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 21.4y

30/100
under pressure

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

  • · Oldest live charge is 21.4 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
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
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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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