JOHN RAISIN FINANCIAL SERVICES LIMITED
🌳Matureactive
07049666 · ltd · incorporated 2009-10-20
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
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 65). 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, 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
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
52 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
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 |
|---|---|---|
| Average employees | 2 | 200 |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-11-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-23📄change-to-a-person-with-significant-control-without-name-datepersons-with-significant-control · PSC04
- 2023-11-22📄change-person-director-company-with-change-dateofficers · CH01
- 2023-11-22📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-07📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-07📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-11-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-11-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-11-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-04📄change-person-director-company-with-change-dateofficers · CH01
- 2021-11-04📄change-person-director-company-with-change-dateofficers · CH01
- 2009-10-20🏢Company incorporatedAs JOHN RAISIN FINANCIAL SERVICES LIMITED
- 2009-10-20➕RAISIN, Heather Mary appointedsecretary
- 2009-10-20➕RAISIN, Heather Mary appointeddirector
- 2009-10-20➕RAISIN, John Paul appointeddirector
Owner dependency
100/100
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.
- +Founder name in company name: Company name contains director surname "RAISIN" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 17 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
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Heather Mary Raisin Individual · British · DOB 11/1962 · age 64 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
2 historic (ceased) PSCs
- Mr John Paul Raisinceased 20/10/2021· 50-75% shares · 50-75% voting · board control
- Mrs Heather Mary Raisinceased 20/10/2021· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · CB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASE INTERNATIONAL LTD→ 11841295 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| FIDELIUM FINANCIAL PLANNERS LIMITED→ 09548030 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| GO GLOBAL MARKETS LTD→ 16526662 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GRANTA CROWN LIMITED→ 16458894 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HAMMOND’S MORTGAGE SERVICES LIMITED→ 06251076 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| J3 ENTERPRISES LIMITED→ 16329200 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| JL MORTGAGE SOLUTIONS LTD→ 11307742 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| JOROI LIMITED→ 13993904 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| KENTINGS FINANCIAL SERVICES LTD→ 13509510 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| KETTON CONSULTANTS LIMITED→ 05403887 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| KETTON WEALTH MANAGEMENT LTD→ 07872495 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| KEY AND FLOWERS LIMITED→ 15099019 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2009-10-20
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Market House
10 Market Walk
Saffron Walden
Essex
CB10 1JZ
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-03
Last: 2025-10-20
Officers (3 active · 0 resigned)
RAISIN, Heather Mary→
Activesecretary · appointed 2009-10-20
View their other companies + combined net worth →
RAISIN, Heather Mary→
Activedirector · ~64y · appointed 2009-10-20
View their other companies + combined net worth →
RAISIN, John Paul→
Activedirector · ~65y · appointed 2009-10-20
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (52 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-10
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-23
change-to-a-person-with-significant-control-without-name-date
persons-with-significant-control · PSC04
2023-11-23
change-person-director-company-with-change-date
officers · CH01
2023-11-22
change-person-director-company-with-change-date
officers · CH01
2023-11-22
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-08
change-person-director-company-with-change-date
officers · CH01
2022-11-07
change-person-director-company-with-change-date
officers · CH01
2022-11-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-01