JK (FC) PENSION TRUSTEES LTD
🌳Matureactive
05963443 · ltd · incorporated 2006-10-11
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.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£88
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (78/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
46 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 declaredPositive net assets
Net assets £88
Net assets shrinking
Down £34 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£88
↓ 28% YoY
Current Assets
£133k
↓ 8.7% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £88 | £145.2k |
| Current assets | £132.5k | £145.2k |
| Net assets | £88 | £122 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (18 events)Click to expand
- 2025-12-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-01-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-29✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2015-12-12📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-25📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-08📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2006-10-11🏢Company incorporatedAs JK (FC) PENSION TRUSTEES LTD
- 2006-10-11➕KEEN, John Allan appointedsecretary
- 2006-10-11➕KEEN, John Allan appointeddirector
- 2006-10-11➕KEEN, Lynne appointeddirector
Owner dependency
84/100
Critical — business is the founderThe 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 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 20 years.
- secondaryStable-but-static management: Company is 20 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Allan Keen Individual · British · DOB 03/1967 · age 59 | 25–50% | — | 25-50% shares | 11/10/2016 |
Mrs Lynne Keen Individual · British · DOB 12/1969 · age 57 | 25–50% | — | 25-50% shares | 11/10/2016 |
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 →Similar companies
Active · Financial services · LA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRATHAY INVESTMENTS LIMITED→ 13483414 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HAPSBURG→ 05215690 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| HOME & FINANCE IFA LIMITED→ 02214832 · est 1988 · no financials extracted | — | — | — | — | 38y | — | — |
| IAN FRAZER FINANCIAL PLANNING LIMITED→ 07555736 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| L KASSELL LTD→ 11214470 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| MACBETH, SCOTT & CO. LIFE & PENSION SERVICES LIMITED→ 01144365 · est 1973 · no financials extracted | — | — | — | — | 52y | — | — |
| MACBETH, SCOTT & CO. LIMITED→ 01058241 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| MAMMUT INVESTMENTS LIMITED→ 13906163 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| MAPLEWOOD TRAINING SOLUTIONS LTD→ 08513940 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| MC2 ACCOUNTANTS LTD→ 11917923 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| MOORE WEALTH LIMITED→ 04613020 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| MORCOMBE HUB LTD→ 16230807 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2006-10-11
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
The Annexe Croft Cottage
Gleaston
Ulverston
Cumbria
LA12 0QA
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-05-10
Last: 2026-04-26
Officers (3 active · 0 resigned)
Active
KEEN, John Allan→
Activedirector · ~59y · appointed 2006-10-11
View their other companies + combined net worth →
Active
Click a director name to see their full track record across all companies.
Recent filings (46 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-26
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-13
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-29
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-22