J H LOWSON & COMPANY LIMITED

🌳Matureactive
08013456 · ltd · incorporated 2012-03-30
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 7.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
£394.3k
year to Mar 2026
Net worth
—
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
  • 66300Fund management activities
Investor take
Pursue
Strong opportunity: conservative operator with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (80/100).

🏦

Refinance opportunity

1 live charge · oldest 7.4y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 7.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
42 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Profitable
Profit before tax £213,983
Turnover YoY
+10%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-03-312025-03-31
Turnover£394.3k£358.9k
Gross profit£361.0k—
Operating profit£210.7k£225.5k
Profit before tax£214.0k£224.2k
Average employees300300

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

4 signals 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
1
filing
  • • 1 address
Last 90 days
6
filings
  • • 2 officers
  • • 1 address
  • • 1 accounts
Last 180 days
6
filings
  • • 2 officers
  • • 1 address
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-06-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2026-05-11
    📄
    accounts-with-accounts-type-medium
    accounts · AA
  3. 2026-04-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2026-04-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2026-03-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-06-10
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2024-05-10
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2024-01-10
    ➖
    HALL, Duncan resigned
    director
  9. 2024-01-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2024-01-09
    ➕
    BATEMAN, Sheena Wendy appointed
    director
  11. 2024-01-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2023-05-05
    📄
    accounts-with-accounts-type-full
    accounts · AA
  13. 2022-05-10
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2021-05-14
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2020-08-11
    📄
    auditors-resignation-company
    auditors · AUD
  16. 2020-04-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  17. 2019-05-24
    ➕
    HALL, Duncan appointed
    director
  18. 2019-05-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2019-05-20
    📄
    accounts-with-accounts-type-full
    accounts · AA
  20. 2019-03-28
    ➖
    LOWSON, Rebecca Jane resigned
    director
  21. 2019-03-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  22. 2019-02-08
    🔒
    Charge registered #1
    Lender: Barclays Security Trustee Limited
  23. 2012-03-30
    🏢
    Company incorporated
    As J H LOWSON & COMPANY LIMITED
  24. 2012-03-30
    ➕
    LOWSON, Jon Handley appointed
    director
  25. 2012-03-30
    ➕
    LOWSON, Rebecca Jane appointed
    director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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 "LOWSON" — strong identity link between founder and business.

Succession & seller-readiness

49/100
Moderate signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 14 years.
  • 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
Mr Jon Handley Lowson
Individual · British · DOB 09/1972 · age 54
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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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
Incorporated2012-03-30
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

16 Dalton Square
Lancaster
LA1 1PL
England

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-04-13
Last: 2026-03-30

Officers (2 active · 2 resigned)

BATEMAN, Sheena Wendy→
director · ~52y · appointed 2024-01-09
View their other companies + combined net worth →
Active
LOWSON, Jon Handley→
director · ~54y · appointed 2012-03-30
View their other companies + combined net worth →
Active
HALL, Duncan→
director · ~62y · appointed 2019-05-24 · resigned 2024-01-10
Resigned
LOWSON, Rebecca Jane→
director · ~58y · appointed 2012-03-30 · resigned 2019-03-28
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property08/02/2019—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (42 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-06-01
accounts-with-accounts-type-medium
accounts · AA
2026-05-11
change-person-director-company-with-change-date
officers · CH01
2026-04-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-30
change-person-director-company-with-change-date
officers · CH01
2026-03-30
accounts-with-accounts-type-full
accounts · AA
2025-06-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-31
accounts-with-accounts-type-full
accounts · AA
2024-05-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-02
termination-director-company-with-name-termination-date
officers · TM01
2024-01-10
appoint-person-director-company-with-name-date
officers · AP01
2024-01-09
accounts-with-accounts-type-full
accounts · AA
2023-05-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-06
accounts-with-accounts-type-full
accounts · AA
2022-05-10