JAMES BREWSTER FINANCIAL SERVICES LIMITED
💤Zombieactive
08391085 · ltd · incorporated 2013-02-06
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 Feb 2026
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 73/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · oldest 1.3y
10/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 1.3 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
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 | 2026-02-28 | 2025-02-28 |
|---|---|---|
| Average employees | — | 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
1
filing
- • 1 accounts
Last 90 days
7
filings
- • 2 persons-with-significant-control
- • 2 address
- • 2 officers
Last 180 days
7
filings
- • 2 persons-with-significant-control
- • 2 address
- • 2 officers
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-07-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-05-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-05-01📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-05-01📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-11📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-11🔒Charge registered #2Lender: National Westminster Bank PLC
- 2025-03-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-21🔒Charge registered #1Lender: National Westminster Bank PLC
- 2024-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-08📄memorandum-articlesincorporation · MA
- 2023-09-08📄resolutionresolution · RESOLUTIONS
- 2023-03-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-02-06🏢Company incorporatedAs JAMES BREWSTER FINANCIAL SERVICES LIMITED
- 2013-02-06➕BREWSTER, James appointeddirector
Owner dependency
95/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "BREWSTER" — strong identity link between founder and business.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Brewster Individual · British · DOB 05/1981 · age 45 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 →Similar companies
Active · Financial services · DL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADVANCED MORTGAGE SOLUTIONS NORTH EAST LIMITED→ 13421800 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| B. PORTWOOD & COMPANY LIMITED→ 00785468 · est 1963 · no financials extracted | — | — | — | — | 62y | — | — |
| DIAMOND INTERNATIONAL OVERSEAS LTD→ 06672742 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| FATHOM FINANCIAL LIMITED→ 10548553 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| FRETILLER INVESTMENTS LIMITED→ 15450255 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| G STILLER (TRANSPORT) LIMITED→ 11841918 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| GENESIS PL LTD→ 13239626 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ICAN FINANCE LIMITED→ 09894549 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| IWJT→ 10831250 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| J.S.LIMITED→ 00081273 · est 1904 · no financials extracted | — | — | — | — | 121y | — | — |
| JDJF LIMITED→ 07285545 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| JLAH LIMITED→ 11978400 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2013-02-06
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
25a West Auckland Road
Darlington
Durham
DL3 9EL
England
Filing status
Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2026-11-22
Last: 2025-11-08
Officers (1 active · 0 resigned)
BREWSTER, James→
Activedirector · ~45y · appointed 2013-02-06
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 11/04/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 21/03/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (43 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-07-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-05-01
change-person-director-company-with-change-date
officers · CH01
2026-05-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-05-01
change-person-director-company-with-change-date
officers · CH01
2026-05-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-01
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-11
change-person-director-company-with-change-date
officers · CH01
2025-11-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-12