108 FINE ART LIMITED

🌳Matureactive
05097700 · ltd · incorporated 2004-04-07
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
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
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: SIC 47781
Sector: Wholesale & retail
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 80/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

Data confidence

Overall: low (54/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
7 officers (4 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
61 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.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-06-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-06-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-05-17
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-02-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2023-02-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2023-02-06
    ➖
    STEWART, Andrew resigned
    director
  7. 2023-02-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2022-07-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2022-07-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2022-06-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-05-31
    ➕
    MASON, Scarlett Stewart appointed
    director
  12. 2022-05-31
    ➕
    STEWART, India appointed
    director
  13. 2021-06-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-07-15
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2019-07-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  16. 2018-06-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-06-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2016-07-01
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  19. 2004-04-07
    🏢
    Company incorporated
    As 108 FINE ART LIMITED
  20. 2004-04-07
    ➕
    STEWART, Gillian Marie appointed
    secretary
  21. 2004-04-07
    ➕
    STEWART, Gillian Marie appointed
    director
  22. 2004-04-07
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  23. 2004-04-07
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  24. 2004-04-07
    ➕
    STEWART, Andrew appointed
    director
  25. 2004-04-07
    ➕
    INSTANT COMPANIES LIMITED appointed
    corporate-nominee-director
  26. 2004-04-07
    ➖
    INSTANT COMPANIES LIMITED resigned
    corporate-nominee-director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

40/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — STEWART, India (same surname) appointed 2022-05-31. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Gillian Marie Stewart
Individual · British · DOB 04/1961 · age 65
75–100%
75–100%board control75-100% shares · 75-100% voting · board control · trust interest · firm interest09/02/2023
1 historic (ceased) PSC
  • Mr Andrew Stewartceased 09/02/2023· 25-50% shares

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
Incorporated2004-04-07
Jurisdictionengland-wales
Primary SIC47781 — SIC 47781

Registered office

16 Cold Bath Road
Harrogate
Yorkshire
HG2 0NA

Filing status

Accounts
Next due: 2027-01-05
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-21
Last: 2026-04-07

Officers (4 active · 3 resigned)

STEWART, Gillian Marie→
secretary · appointed 2004-04-07
View their other companies + combined net worth →
Active
MASON, Scarlett Stewart→
director · ~36y · appointed 2022-05-31
View their other companies + combined net worth →
Active
STEWART, Gillian Marie→
director · ~65y · appointed 2004-04-07
View their other companies + combined net worth →
Active
STEWART, India→
director · ~32y · appointed 2022-05-31
View their other companies + combined net worth →
Active
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2004-04-07 · resigned 2004-04-07
Resigned
STEWART, Andrew→
director · ~66y · appointed 2004-04-07 · resigned 2023-02-06
Resigned
INSTANT COMPANIES LIMITED→
corporate-nominee-director · appointed 2004-04-07 · resigned 2004-04-07
Resigned

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

Recent filings (61 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-05-17
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-02-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-02-09
termination-director-company-with-name-termination-date
officers · TM01
2023-02-06
appoint-person-director-company-with-name-date
officers · AP01
2022-07-07
appoint-person-director-company-with-name-date
officers · AP01
2022-07-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-20